Finance Property Purchases Through Your SMSF
Ready to buy property via your Self-Managed Super Fund? Our expert finance brokers structure compliant LRBA loans, compare specialist lenders, and guide you from strategy to settlement. We help diversify your super with residential or commercial property balancing risk, features, and pricing for long-term retirement outcomes.
Finance Property Purchases Through Your SMSF
Ready to buy property via your Self-Managed Super Fund? Our expert finance brokers structure compliant LRBA loans, compare specialist lenders, and guide you from strategy to settlement. We help diversify your super with residential or commercial property balancing risk, features, and pricing for long-term retirement outcomes.
Why Use a Broker?
Expert advice
SMSF lending is complex. We align structure, serviceability, and SIS/ATO rules with lender policy so your loan supports your retirement strategy, not just today’s purchase.
Quick turnaround
We collect the right documents upfront (trust deed, minutes, financials), package a strong application, and coordinate with your adviser and accountant to keep things moving.
Broad lender access
We compare over 30 lenders, including specialist SMSF lenders, to balance rate, policy, and turnaround especially for niche scenarios (commercial, related-party lease).
Transparent costs
Our service is typically free to you (lender-paid). If any brokerage fee applies for a complex SMSF scenario, we’ll disclose it clearly before you proceed.
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How We Find You the Right SMSF Loan
Step 1: Discovery & Readiness
We confirm fund strategy, borrowing capacity, contributions, and liquidity buffers; review the trust deed and investment strategy for borrowing permissions.
Step 2: Structure & Shortlist
We map the LRBA structure (bare/custodian trust), repayments (P&I vs IO), and target lenders presenting options with rates, fees, and policy nuances.
Step 3: Application & Approval
We prepare the credit pack (SMSF financials, contributions history, lease terms if commercial), manage valuation, and negotiate pricing and conditions.
Step 4: Settlement & Setup
We coordinate trust documents, bank accounts, and settlement with your conveyancer/adviser then check post-settlement settings (repayments, offsets if available).
SMSF Loan Products
Acquire established residential property for your fund. We align LVR, cash buffers, and rent assumptions with lender and SIS requirements. (No personal use or related-party tenancy.)
Finance under a Limited Recourse Borrowing Arrangement, or refinance an existing LRBA to improve rate and terms subject to policy and costs.
Owner-occupied or investment commercial property (e.g., offices, warehouses, medical). We structure leases (including related-party at market rates) to satisfy arm’s-length rules.
Negotiate repricing with your current lender or compare alternatives. Where policy permits, consider features that support your fund’s cashflow and contributions.
Case-by-case options within SMSF rules and lender policy. We’ll advise what’s viable and compliant for your scenario.
Freequently Asked Question
Typically more than a standard home loan to meet LVR and liquidity rules. Many lenders cap residential SMSF LVR at 70-80%, and lower for commercial or specialised assets. You’ll also need a liquidity buffer in the fund after settlement (often 6-12 months of expenses/repayments). We’ll model contributions, rental income, buffers, stamp duty/legals, and all setup costs (bare trust, company fees) to confirm viability before you commit.
No for residential. Residential property must be pure investment and strictly arm’s length no personal use or related-party tenancy. For commercial property, a related-party lease is allowed if it’s at market rent, on commercial terms, and documented (lease, rent reviews, outgoings). We help structure the lending; your adviser ensures it meets sole purpose and NALE (non-arm’s-length expense) rules.No. Residential property must be purely investment and at arm’s length. Commercial property can lease to a related party if the lease is market-rate and compliant.
Expect: trust deed (and any deed variations), SMSF investment strategy (allowing property/LRBA), SMSF financials and contribution history, member/ trustee IDs, ATO registration letter, ABN/TFN, and bank statements. For LRBA: bare/custodian trust deed and trustee company docs if applicable. For the property: contract of sale, insurance, valuation, and for commercial: draft lease and rent assessment. We’ll provide a plain-English checklist and coordinate with your accountant/adviser.
Usually slightly higher due to limited recourse and complexity. Pricing depends on LVR, property type (resi vs commercial), location, IO vs P&I, and overall fund strength (contributions, liquidity). Non-bank specialists may be dearer but more flexible on policy. We compare mainstream and specialist lenders, negotiating rate, fees, and features to achieve a competitive net outcome not just a headline rate.
Allow 3-6 weeks end-to-end. Timing depends on the LRBA structure being in place (bare trust/company setup), valuation access, and how quickly documents arrive. Typical path: indicative terms in a few days → valuation and credit assessment → formal approval → settlement documentation. We run tasks in parallel, coordinate with your conveyancer/adviser, and keep milestones tight to meet contract dates.
We handle lending strategy and approvals. We don’t provide personal financial, superannuation, or tax advice. Please consult your licensed financial adviser and tax professional for guidance on contribution caps, NALE, and overall retirement strategy. We’re happy to work alongside them and align the loan structure to your advice.
Ready to Move Forward?
Let’s confirm strategy, structure your LRBA, and compare lenders so your SMSF investment stays compliant and aligned with retirement goals.
Lenders in our Panel
We have over 30 lenders in our lending panel and some of our majors are listed below:
