SMSF Loans

SMSF loan options for residential and commercial property investment through your self-managed super fund.

    Access competitive SMSF interest rates for residential and commercial properties.

    Borrow through your SMSF for long-term investment strategies and wealth creation.

    Expert advice on loan structuring and legal requirements for SMSF borrowing.

    Refinance your SMSF loan to lower rates or consolidate with commercial property holdings.

    We compare major banks and SMSF lenders including ANZ, NAB, CBA, Westpac, ING, and St George.

    Support for low doc SMSF loans for those without traditional financials.

    Learn how to use superannuation to buy residential or commercial property through your fund.

    Guidance on SMSF construction loans for commercial developments.

    End-to-end assistance from SMSF setup, compliance to loan approval and settlement.

SMSF Loans in Australia

SMSF (Self-Managed Super Fund) loans allow trustees to purchase residential or commercial property using funds within their SMSF. These loans are regulated under Australian superannuation laws and require a special structure known as a limited recourse borrowing arrangement (LRBA).

What is an SMSF Loan?

An SMSF loan is a type of finance that enables your self-managed super fund to borrow money to purchase an investment property. The property is held in a separate trust, and the lender’s recourse is limited to the asset itself, protecting other SMSF assets.

Features of SMSF Loans

  • Available for residential or commercial investment properties
  • Limited recourse to the asset being purchased
  • Loan-to-value ratios (LVR) generally up to 70–80%
  • Interest-only and principal & interest repayment options
  • Loan terms of up to 30 years
  • Strict compliance with ATO and SMSF borrowing rules

SMSF Loan Eligibility

  • You must have a compliant and active SMSF
  • A corporate trustee structure is often preferred
  • The SMSF must have sufficient funds for the deposit (20%–30%), stamp duty, legal, and ongoing costs
  • The loan must be used to purchase a single asset (or collection of identical assets)
  • The property must be for investment purposes — not owner-occupied

Lenders That Offer SMSF Loans

Not all banks offer SMSF loans. Some of the key lenders include:

  • Liberty Financial
  • La Trobe Financial
  • Mortgage Ezy
  • Granite Home Loans
  • Some brokers have access to private and boutique SMSF lenders

Benefits of SMSF Loans

  • Grow your super through property investment
  • Rental income and capital gains are taxed at concessional superannuation rates
  • Tax benefits on loan interest and expenses
  • Protect other SMSF assets with limited recourse lending

Risks and Considerations

  • Higher legal and setup costs than standard loans
  • Complex compliance and borrowing structure
  • Fewer lenders in the SMSF space
  • Property cannot be lived in or used by fund members or relatives

Get Expert Help

SMSF lending is complex and requires financial, legal, and tax advice. Speak with a qualified mortgage broker or SMSF advisor before applying.

SMSF Quotes