SMSF Loans Build Wealth Through Your Super

Protection: In the event of default, the lender can ONLY claim the property purchased with the loan - not other assets within your SMSF. Your other super assets remain protected.

Residential Property

Purchase residential investment properties through your SMSF. Loans from $100,000 to $3-5 million with LVR up to 90% (varies by lender).

Commercial Property

Buy commercial premises for your business or investment. LVR typically up to 80%, with loan amounts from $100k to $8 million depending on the lender.

Competitive Rates

Residential rates from 6.19% p.a., commercial from 6.69% p.a. Interest-only options available to maximize cash flow within your SMSF.

Powerful Tax Benefits

• Rental income taxed at just 15% (vs. your marginal rate)
• Capital gains taxed at 10% if held 12+ months
• Zero tax on rental income and capital gains in pension phase
• Claim deductions on loan interest and property expenses

Leverage Your Super

• Borrow up to 80-90% of property value
• Control $500k+ assets with $100k super balance
• Accelerate wealth creation through gearing
• Use existing super as your deposit

Direct Control

• Choose your own investment properties
• Control your investment strategy
• Select residential or commercial assets
• Build a tangible retirement asset

Long-Term Wealth

• Benefit from capital growth over decades
• Generate passive rental income
• Build equity for retirement
• Diversify away from volatile shares

Business Premises Option

• SMSF can buy commercial property
• Your business pays rent to your super fund
• Build super wealth while running your business
• Tax-effective retirement planning

Asset Protection

• LRBA structure protects other SMSF assets
• Superannuation has bankruptcy protection
• Separate from personal assets
• Estate planning benefits

Why This Matters: With major banks exiting this market, specialist expertise is crucial. Most brokers handle fewer SMSF loans in a year than we do in a month. We know which lenders offer the best rates, most flexible policies, and fastest approvals for SMSF scenarios.

🌶️ Pepper Money

• Loan amounts up to $3 million
• LVR up to 90% (select scenarios)
• Redraw facility available
• Interest-only options
• Broker-friendly processes

🏦 Thinktank

• $100k to $5-8 million loans
• Commercial and residential
• LVR up to 80%
• Terms up to 30 years
• Common sense approach

🏛️ La Trobe Financial

• $100k to $3 million
• 80% LVR residential focus
• Refinancing available
• Established lender
• Competitive rates

🏦 Bank of Queensland

• Traditional bank option
• Residential & commercial
• LVR up to 80%
• Corporate trustee required
• Established processes

💎 Granite Home Loans

• No net asset requirement
• Residential up to 90% LVR
• Commercial up to 80% LVR
• Terms up to 30 years
• SMSF specialists

🗽 Liberty

• Residential & commercial
• Flexible lending criteria
• Fast turnaround times
• Experienced in SMSF
• Alternative scenarios

⭐ Homestar Finance

• No liquidity test
• Unique policy advantage
• Competitive pricing
• SMSF specialists
• Flexible approach

🌾 Regional Australia Bank

• Residential property focus
• Authorized SMSF lending
• Regional presence
• Trustee lending
• Competitive rates

• ✓LVR: 80% (no LMI)
• ✓Rental income: $550/week
• ✓Interest-only for 10 years
• ✓Tax on rent: 15% (accumulation)
• ✓20 years to retirement

• ✓LVR: 80% commercial
• ✓Business pays rent to SMSF
• ✓Market rent: $65,000/year
• ✓Rent deductible to business
• ✓Building super while working

• ✓Held property 15 years
• ✓Rental income: $950/week
• ✓Zero tax on rental income
• ✓Zero CGT if sold in pension
• ✓$950k equity + ongoing income

Minimum SMSF Balance

Most lenders require:

• At least 20-30% of purchase price in SMSF
• Some lenders: $150k-$200k minimum
• Granite: No net asset requirement
• Sufficient for deposit + costs

Liquidity Requirements

Cash reserves needed:

• 12-24 months of loan repayments
• Covers negative cash flow scenarios
• Homestar: No liquidity test
• Ongoing member contributions help

SMSF Structure

Structural requirements:

• Corporate trustee (strongly preferred)
• Compliant trust deed
• Investment strategy in place
• Up-to-date compliance

LVR Limits

Loan-to-value ratios:

• Residential: 80% standard, 90% max
• Commercial: typically 70-80% max
• LMI may apply over 80%
• Lower LVR = better rates

Property Rules

SMSF property must be:

• Purchased from arm's length party
• Not lived in by members/relatives
• Genuinely for investment
• Meets sole purpose test

Professional Advice

You'll need support from:

• SMSF accountant (compliance)
• Specialist mortgage broker (us!)
• Financial planner (optional)
• Solicitor for bare trust deed

SMSF Specialists

We specialize in SMSF lending and understand the complex rules, lender policies, and compliance requirements inside out.

10+ Lender Panel

Access to all major SMSF lenders including Pepper, Thinktank, La Trobe, BOQ, Liberty, Granite, Homestar, and more.

Best Rate Guarantee

We compare all lenders to ensure you get the most competitive SMSF loan rate and the best policy fit for your scenario.

Fast Approvals

We know exactly what each SMSF lender needs, ensuring smooth applications and faster approval times.

Referral Network

We work with SMSF accountants, financial planners, and solicitors who specialize in self-managed super funds.

Education & Strategy

We'll help you understand LRBA structures, tax implications, and the best loan strategy for your retirement goals.

❓ What is a Limited Recourse Borrowing Arrangement (LRBA)?

An LRBA is a special loan structure for SMSFs. If you default, the lender can only claim the property purchased with the loan - not other SMSF assets. The property is held in a separate bare trust until the loan is repaid.

❓ How much can I borrow with my SMSF?

Most lenders offer 70-80% LVR, though some go to 90%. Loan amounts range from $100,000 to $5-8 million depending on the lender and property type. You'll need sufficient SMSF balance for deposit, costs, and liquidity reserves.

❓ What are SMSF loan interest rates?

Current SMSF residential rates start from 6.19% p.a., while commercial rates start from 6.69% p.a. Rates vary by lender, LVR, and property type. SMSF rates are typically 0.5-1% higher than standard home loans due to the specialized nature.

❓ Can I buy a house for my kids through my SMSF?

No. SMSF members and related parties (including children) cannot live in or personally use property owned by the SMSF. The property must be a genuine arm's length investment generating rental income for your super fund.

❓ What's the minimum SMSF balance needed?

Most lenders want to see at least 20-30% of the purchase price already in your SMSF, plus liquidity for 12-24 months of repayments. Some lenders have minimums of $150k-$200k, though Granite Home Loans has no net asset requirement.

❓ Can my SMSF buy commercial property for my business?

Yes! This is a powerful strategy. Your SMSF borrows to buy commercial premises, then your business pays market rent to your super fund. The rent is tax-deductible to your business and builds wealth in your SMSF at concessional tax rates (15% or 0%).

❓ What are the tax benefits of SMSF property investment?

Rental income is taxed at 15% (accumulation phase) or 0% (pension phase). Capital gains are taxed at 10% if held 12+ months (accumulation) or 0% (pension phase). Compare this to your marginal tax rate of potentially 47%!

❓ Why have the Big Four banks stopped SMSF lending?

Major banks exited due to regulatory complexity and risk management policies. This created opportunity for specialist lenders like Pepper, Thinktank, La Trobe, and others who understand SMSF lending and have streamlined processes.

❓ How long does SMSF loan approval take?

Pre-approval typically takes 5-10 business days. Full approval and settlement usually takes 4-6 weeks, slightly longer than standard home loans due to the LRBA structure requirements and additional documentation.

❓ Do I need a corporate trustee for SMSF loans?

While not legally required, almost all SMSF lenders strongly prefer or require a corporate trustee structure. It provides better asset protection, easier succession planning, and simpler administration. Setting up costs around $1,500-$2,000.