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Purchase or refinance, residential or commercial.

Grow your retirement investment potential with SMSF loans.

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Understand before you borrow.

The Self-Managed Super Fund (SMSF) loan is tailored to provide loans to trustees of authorised regulated Australian Self-Managed Super Funds (SMSFs) to borrow for the purpose of purchasing investment property. SMSF can invest in residential or commercial property.

The ATO has specific rules that apply to property investment in an SMSF, and you need to comply with these, including that the property:
  • Is solely for providing retirement benefits to SMSF members, otherwise known as the ‘sole purpose test’.
  • Cannot be purchased from a related party of an SMSF member.
  • Cannot be lived in by you or other SMSF members or their related parties.
  • Cannot be rented by an SMSF member or anyone related to them.
Residential SMSF: ‍Standard residential investment house, unit/apartment or townhouse.
Some exclusions include:
  • Vacant Land
  • Construction
  • Purchase or refinance of owner-occupied properties
  • Non-arms-length transactions
‍
Commercial SMSF: ‍Examples of acceptable commercial property include:
  • Strata offices and showrooms
  • Retail outlets (e.g. shops, restaurants)
  • Industrial factories and warehouses
  • Medical suites
  • Childcare centres, and others

Having a Self-Managed Superannuation Fund (SMSF) means you have direct control over where your money is invested. Investing superannuation funds into property is an increasingly popular and attractive way to plan for the future. We understand your requirement, and compare lending products suitable for your fund, guide you through the process, and help you long after settlement.

Get Your Super Fund Performing

SMSF Loans are much more complicated than your average loan.

Between government legislation and a multi-step application process, there is a lot to decipher and manage. Your SMSF property loan approval largely depends on the quality of your application, so it’s essential you put your best foot forward. That’s where we come in.

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We do the legwork, so you don’t have to.

There is a small niche of lenders who specialise in SMSF property lending, and we maintain positive, longstanding relationships with many of them as part of our lender network. Don’t spend valuable time chasing down and comparing lenders who may not be able to assist you. Leave the legwork to our team of mortgage experts. Experience the difference taking the first step towards competitive SMSF loans.
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Important Information – 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. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

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Important Information – 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. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

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