Trusted by over 150+ Australian families
Is this for you?
SMSF property loans use a limited recourse borrowing arrangement that allows a self‑managed super fund to borrow for an investment property, subject to ATO rules and lender policies.
Why this loan type?
SMSF lending allows trustees to use their superannuation fund to acquire investment property through a compliant borrowing structure, subject to strict regulatory requirements and lender policies.
Rental income and capital gains within an SMSF may be taxed at concessional rates.
Rather than waiting until retirement to access super, trustees may borrow now to acquire property.
SMSF property lending allows funds to hold real property assets alongside shares and managed funds.
SMSF trustees choose the property, location, and investment strategy.
Property held in an SMSF may provide rental income during retirement phase.
What you can use it for
Residential investment
Residential investment properties
Commercial
Commercial property purchases, refinances & restructures
Not generic steps, but actual SMSF lending rules explained simply
We review your current financial position and can refer you to a specialist SMSF provider to review your current fund structure before proceeding with lending if required.
We match your situation to appropriate lenders and work toward securing conditional approval.
We coordinate with your SMSF administrator, solicitor, and lender to ensure everything runs smoothly for settlement.
What makes this tricky
Any misstep risks penalties or disqualification of your fund. Working with a broker experienced in SMSF lending is essential.
SMSF lending may attract a higher upfront deposit amount than a standard purchase outside of your super fund.
Only a select number of lenders actively write SMSF loans, and their policies vary significantly.
The property must be held solely for investment purposes and cannot be used by fund members, relatives, or related parties.
Success stories
$180K
equipment approved
72
hours approval to funding
"Carlo made our home purchase smooth and stress free. He explained everything clearly and kept us updated at every stage. His professionalism and communication were exceptional. We couldn't recommend him highly enough to anyone looking for a reliable mortgage broker."
Omar Mango
First Home Buyers, Melbourne
$120K
fit-out finance secured
7
days approval time (faster than bank)
"Carlo was professional, knowledgeable, and always took the time to explain things clearly. Communication was excellent and I felt well supported throughout. He made everything feel straightforward. I wouldn't hesitate to recommend Carlo to anyone looking for a trustworthy broker."
Emerson Saris
Property Investor, Sydney
$580K
Residential SMSF loan
$520
per week rental income secured
"From start to finish, Carlo was reliable and dedicated. He answered all our questions with patience and kept us informed at every step. His expertise made the entire experience stress free. Thank you for helping us secure our first home, Carlo."
Phillip Bator
First Home Buyers, Adelaide
$140K
Residential SMSF loan
$200
per week rental income secured
"Carlo's communication and professionalism were exceptional. He took the time to ensure we understood everything and felt supported throughout the process. Working with him was a pleasure. We highly recommend Carlo to anyone needing a knowledgeable and reliable mortgage broker."
Rebeca James
Home Buyers, Perth
