SMSF lending
Property in your super, financed correctly
SMSF loans are a specialist field with a small lender panel and strict compliance rules. We arrange them week in, week out.
How we help
Borrowing inside a self-managed super fund uses a limited recourse borrowing arrangement (LRBA): the property is held in a separate bare trust, and if things go wrong the lender's recourse is limited to that asset - not the rest of your super.
Most major banks have exited SMSF lending, leaving a panel of specialist lenders with very different rates, policies and minimum fund balances. We compare that whole panel and coordinate with your accountant and financial adviser so the structure is compliant before any application is lodged.
The full specialist panel
We compare the SMSF lenders still active in the market - rates and policies vary enormously between them.
Residential & commercial
Investment residential property, or your own business premises leased back to your company at market rent.
Compliance-first process
Bare trust, LRBA documentation and liquidity requirements checked with your advisers before anything is lodged.
Refinance existing SMSF loans
Many older SMSF loans are priced well above the current market. Refinancing them is often the fastest return in your fund.
The process
From first call to settled, step by step
Eligibility & structure check
Fund balance, contribution history and liquidity reviewed with your accountant to confirm the strategy is viable.
Lender comparison
We compare the active SMSF panel on rate, LVR, liquidity rules and fees for your specific asset type.
Trust setup & application
Bare trust established by your solicitor/accountant; we package and lodge the loan application.
Approval & settlement
We coordinate lender, trustee documents and conveyancer through to settlement inside the fund.
SMSF lending
Check your SMSF's borrowing capacity
A free, no-obligation review of what your fund could purchase - and with which lenders.
- Takes about 60 seconds
- No credit check, no obligation
- A licensed broker reviews every enquiry personally
Common questions
SMSF Lending FAQs
Most SMSF lenders cap residential loans at 70-80% LVR and commercial at 60-70%, and many require a minimum fund balance (often around $150,000-$200,000) plus post-settlement liquidity of about 10% of the property value. We'll confirm your fund's real capacity against current lender policy.
Check your SMSF's borrowing capacity
A free, no-obligation review of what your fund could purchase - and with which lenders.