SMSF borrowing is structured differently and few lenders offer it. We explain the rules and limits first, then compare the options that are actually available.
SMSF loans usually use a limited recourse borrowing arrangement (LRBA): the property is held in a separate trust, and the lender's recourse is limited to that property.
Only a limited number of banks and non-bank lenders offer SMSF loans. Rates and deposit requirements often differ from standard investment loans, and we compare them for you.
A larger deposit is typically required, and it is wise to hold enough liquidity for repayments and holding costs. Exact requirements are set by each lender.
SMSF investments must comply with superannuation law. We handle the loan, working alongside your accountant, SMSF adviser and solicitor.
This is general information only and not financial, tax or legal advice. SMSF rules are complex and change over time — please consult a licensed professional before deciding.
No. Property held by an SMSF must meet the "sole purpose" test — it must exist to provide retirement benefits for members — so it generally cannot be lived in by members or leased to related parties (business real property has specific exceptions). Please confirm with your SMSF specialist.
Lender choice is narrower and criteria stricter, so pricing can differ from standard investment loans, depending on each lender's current policy. We lay out the feasible options side by side rather than quoting just one.
No. We are mortgage brokers and handle the loan side. Whether investing through an SMSF suits you should be confirmed with a licensed financial adviser and your accountant.
The basic structure of an SMSF property loan, the hard rules that apply, and what to ask before you start.
The limits on residential, commercial and vacant land, the cases that are generally ruled out, and a checklist before buying.
Let's go through the rules and limits first, then decide. Free assessment, no fee if we cannot succeed.
