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SMSF Loans

Use Your Super to
Invest in Property

SMSF borrowing is one of the most powerful tools available to property investors — but the rules are strict. We make sure everything is done correctly.

SMSF Property Finance

What Is SMSF Property Finance?

A Self-Managed Super Fund can borrow to purchase property through a Limited Recourse Borrowing Arrangement (LRBA). The property is held in a separate bare trust until the loan is repaid.

SMSF lending is complex and not every lender offers it. We work with specialist SMSF lenders and ensure your structure meets all ATO and trust deed requirements.

Limited recourse borrowing arrangements (LRBA)
Residential and commercial property eligible
Bare trust and fund structure co-ordinated
ATO-compliant from day one
Specialist lender network
Coordinated with your accountant and financial planner
Retirement planning
Our Process

How SMSF Lending Works

SMSF borrowing has strict rules. We map every step clearly so there are no surprises.

01
SMSF Eligibility Check
We review your fund balance, trust deed, and investment strategy to confirm SMSF borrowing is suitable for your situation.
02
Property Selection
We guide you on eligible property types and key rules — residential, commercial, and business real property (with restrictions).
03
Bare Trust Setup
A bare trust (holding trust) must be established before purchase. We coordinate this with your solicitor and SMSF administrator.
04
Lender Match
We identify lenders whose SMSF policies, rates, and LVR requirements suit your purchase — and present a clear comparison.
05
Application & Approval
We manage the entire application, including SMSF-specific documentation, trust deed compliance, and lender conditions.
06
Settlement & Review
Once settled, we continue to support you with annual reviews and positioning your fund for future property purchases.
Why Get Expert Help

SMSF Borrowing Is Complex — Get It Right the First Time

The ATO has strict rules around SMSF borrowing, and mistakes are costly. An incorrect trust structure, a non-complying asset, or improper loan documentation can trigger penalties or force a premature sale.

We work alongside your accountant and financial planner to ensure every aspect of your SMSF loan is correctly structured from day one.

Talk to a Specialist →
Financial planning
SMSF Specialists

Use your super to build wealth through property — done right.

12+
Years Experience
40+
Lenders on Panel
$2B+
Settled Loans
100%
Client First
Get Started

Ready to Get Started?

Book a confidential consultation with an SMSF lending specialist. We'll assess your fund's eligibility and walk you through your options.

Phone
042 069 7211
Email
info@financingau.com.au
Address
374 Keilor Rd, Niddrie VIC 3042

Get a Free Consultation

A specialist broker will contact you within 24 hours.