SMSF Property Loans

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Invest Through Your Super Fund.

From initial consultation to settlement, we structure SMSF loans strategically and coordinate seamlessly with your financial advisers.

 

We structure Self-Managed Super Fund (SMSF) loans for trustees investing in residential property or business owners purchasing their own commercial premises via superannuation.

 

SMSF lending is specialised and policy driven. Our role is to ensure your loan is structured correctly, compliant from the outset, and aligned with your long-term retirement strategy.

 

When executed properly, SMSF property investment can become a powerful wealth-building vehicle within super.


SMSF loan enables a super fund to purchase property using borrowed funds under a Limited Recourse Borrowing Arrangement (LRBA)

 

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0 %
Maximum concessional tax rate on investment income earned inside an SMSF.

Key LRBA Rules

  • SMSF must have a bare trust (holding trust)
  • Asset must be a single acquirable asset
  • Cannot be improved beyond its original state during the loan
  • Property cannot be lived in by fund members
  • Commercial property can be leased to a related party at market rate
  • Lender has limited recourse to SMSF assets only

Important Disclaimer

SMSF lending involves complex legal and tax obligations. We strongly recommend engaging a qualified SMSF accountant, auditor, and solicitor alongside our broking services. We coordinate with your advisors to ensure the full structure is compliant.
✦ Loan Types

Types of SMSF Lendings We Assist With

Residential SMSF Property

  • Long-term retirement asset strategy
  • Rental income inside super
  • Capital growth potential

(Note: residential property cannot be lived in by members or related parties.)

Commercial SMSF Property

  • Business owners purchasing their own premises
  • Leasing property from your SMSF to your trading entity
  • Building long-term retirement assets while stabilising business occupancy

Commercial SMSF structures can provide strategic advantages. Professional structuring is essential to avoid compliance risk

✦ Step-by-Step

How We Help with SMSF Loan Process

01
Strategic Planning

Strategy Consultation

SMSF lending requires careful planning and professional coordination. We begin by understanding your fund structure, goals, and long-term strategy to ensure suitability.

  • Fund balance and liquidity
  • Contribution history
  • Investment objectives
  • Business structure (if purchasing commercial premises)
  • Exit strategy
We work alongside your accountant and adviser to ensure suitability and compliance from the outset.
02
Compliance First

Structure & Compliance Setup

Before any contracts are signed, we ensure your SMSF structure is fully compliant and ready for borrowing — avoiding costly mistakes or delays later.

Before contracts are signed, we confirm:

  • SMSF trust deed allows borrowing
  • Corporate trustee structure (if applicable)
  • Bare trust (custodian trust) setup
  • Deposit and liquidity position
Correct structuring must occur prior to property exchange — this is critical in SMSF lending.
03
Capacity Assessment

Borrowing Capacity & LVR Assessment

We assess your fund’s financial position and borrowing limits to ensure the investment is both viable and compliant with lender requirements.

We review:

  • Fund income (contributions + rental income)
  • Existing SMSF liabilities
  • Serviceability
  • Loan-to-Value Ratio limits (typically 70–80%)
SMSF lending requires larger deposits and stronger liquidity buffers than standard residential loans.
04
Lender Matching

Lender Selection & Application

We compare specialist SMSF lenders and prepare a structured application to present your fund in the strongest possible position.

We compare SMSF lender policies and submit a structured credit proposal including:

  • Fund financials
  • Trust documentation
  • Property details
  • Lease terms (for commercial purchases)
A well-structured application improves approval outcomes and reduces delays in complex SMSF lending scenarios.
05
Completion

Approval & Settlement

Once approved, we coordinate the final stages of the process to ensure everything is completed accurately and efficiently.

Upon approval:

  • Legal documentation is finalised
  • Custodian trust structure is confirmed
  • Settlement is coordinated
We manage the process end-to-end to reduce complexity and delay — ensuring a smooth SMSF property acquisition.
✦ Loan Types

Options Available

🏠

Residential SMSF Loan

Purchase a residential investment property inside your SMSF. The property cannot be occupied by fund members or relatives. Rental income flows into the fund at a concessional 15% tax rate.

🏢

Commercial SMSF Loan

One of the most popular strategies — purchase the commercial premises your business operates from, inside your SMSF. Your business pays rent to the fund at market rate, building retirement assets.

🔄

SMSF Refinance

Already have an SMSF loan? Rates and lender appetite have changed significantly. We review your current arrangement and identify whether refinancing could improve your fund’s financial position.

🏗️

New SMSF Setup

Don’t have an SMSF yet? We can refer you to qualified SMSF accountants and solicitors to establish the fund, bare trust, and trustee structure required before a loan can be arranged.

📋

Compliance Review

Concerned your existing SMSF loan structure may not be compliant? We work with your auditor and accountant to identify any issues and guide you through rectification where needed.

🌾

Rural & Agri SMSF

Specialist SMSF loans for rural properties and agri assets. Fewer lenders operate in this space — but they exist, and we know who they are.
✦ FAQs

SMSF Loans

Can my SMSF buy residential property?
Yes, provided it is purely for investment and not used by fund members or related parties.
Can my business rent a property owned by my SMSF?
Yes. Commercial property can be leased to your business on commercial market terms.
How much deposit is required?
LVRs are lower than standard home loans. Typically, 20–30% plus costs, depending on lender policy and property type.
Are SMSF loan rates higher?
Yes. SMSF loans are specialised facilities and generally attract higher rates.
How long does the process take?
SMSF approvals typically take 3–6 weeks depending on documentation readiness and lender assessment.
Do I need a corporate or personal trustee?
Many lenders prefer or require a corporate trustee for SMSF borrowing structures. Personal guarantees are commonly required
What happens if there is liquidity?
Liquidity must remain within the fund
✦ Contact us

Structured Super Investment Starts with the Right Advice

SMSF property lending is not transactional — it is strategic.

If you are considering residential investment or purchasing your own business premises through super, we invite you to book a confidential SMSF strategy consultation.

AKA Finance Group — Finance, Structured Around You.

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Other Services

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Refinancing

Review and improve your current loan

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Commercial Loans

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For purchases, renovations and more

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Asset & Equipment

Finance for business assets

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SMSF Loans

Property via superannuation

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Copyright © AKA Finance Group.

ABN : 70 690 036 661 | Credit Representative 575097 is authorised under Australian Credit Licence 384324.

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs.
We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.