Property finance for your self-managed super fund.
SMSF lending has its own rules, structures and lenders. We arrange limited recourse loans for residential and commercial property, working alongside your accountant and financial adviser.
- Compare lenders that offer SMSF loans
- Residential investment and commercial property, including your business premises
- Applications prepared with a CPA’s understanding of fund financials
- We coordinate with your accountant, adviser and solicitor
40+ lenders. One conversation.
- 24 banks
- 13 specialist lenders
- 6 business & asset financiers
Commonwealth BankBank
WestpacBank
NABBank
ANZBank
Macquarie BankBank
INGBank
St GeorgeBank
HSBCBank
BankwestBank
Bank of MelbourneBank
BankSABank
ME BankBank
UbankBank
AMP BankBank
Bendigo BankBank
Great Southern BankBank
Heritage BankBank
MyState BankBank
Qudos BankBank
Auswide BankBank
Bank AustraliaBank
Australian Military BankBank
- Bank of ChinaBank
Bank of SydneyBank
Pepper MoneySpecialist lender
LibertySpecialist lender
La Trobe FinancialSpecialist lender
ProspaBusiness & asset finance
FirstmacSpecialist lender
ScotPacBusiness & asset finance
ResimacSpecialist lender
WISRBusiness & asset finance
BluestoneSpecialist lender
- Angle Asset FinanceBusiness & asset finance
MA MoneySpecialist lender
- ASCFBusiness & asset finance
BrightenSpecialist lender
- NWC FinanceBusiness & asset finance
Better ChoiceSpecialist lender
Granite Home LoansSpecialist lender
- HejazSpecialist lender
- Myloan ElectSpecialist lender
- ParamountSpecialist lender
Lenders on our panel, accessed through Finsure Finance & Insurance Pty Ltd and subject to change. Lender names and logos are trade marks of their owners and don’t imply endorsement. See our Credit Guide.
How SMSF lending works
An SMSF borrows through a limited recourse borrowing arrangement (LRBA). The property is held in a separate holding (bare) trust while the loan is in place, and the lender can only claim against that property if something goes wrong. Fewer lenders offer SMSF loans, and they assess the fund itself: its balance, contributions, liquidity and the property’s rent.
- Structure first: the fund’s trust deed and the holding trust need to be in place before you sign a contract. Your accountant or solicitor sets these up.
- Lender selection: we compare SMSF lenders on rate, fees, loan-to-value limits and policy.
- Application: we prepare the application around the fund’s financials and lodge it with the lender.
- Settlement: we coordinate with your accountant, solicitor and the lender through to settlement.
Important
We arrange SMSF loans but do not provide advice about setting up an SMSF, whether to invest through super, or tax. Superannuation rules are complex and penalties apply for breaches, so get advice from a licensed financial adviser and your accountant before proceeding.
Common questions
Can my SMSF borrow to buy property?
Yes. A self-managed super fund can borrow to buy a single property, or a single collection of identical assets, under a limited recourse borrowing arrangement (LRBA). The property is held in a separate trust until the loan is repaid, and the lender’s recourse is limited to that property.
Can the SMSF buy residential and commercial property?
Both are possible, with different rules. Residential property generally cannot be bought from, lived in or rented to fund members or their relatives. Business real property, such as your business premises, can be leased to a related business at market rent.
How much can an SMSF borrow?
Lenders usually lend a lower proportion of the property value to SMSFs than to individuals, and look at the fund’s balance, contributions and the property’s rental income. We compare lenders that offer SMSF loans to find suitable options.
Do you advise on whether an SMSF is right for me?
No. Deciding whether to set up an SMSF, or whether buying property through super suits you, is financial advice that must come from a licensed financial adviser, together with your accountant. Our role is to arrange the loan once you have that advice, and we work alongside your advisers to do it.
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A free, no-obligation chat about where you are and where you want to be.