Buy Property with an SMSF Loan
At SMSF Property Finance, we're Finance & Mortgage Brokers helping clients finance an investment property purchase in their Self Managed Super Fund with an SMSF Loan
Access hundreds of Residential Investment Property SMSF Loans options with our specialist SMSF Brokers
We'll help you secure the right commercial property Investment with a Commercial Property SMSF Loan
We'll provide you with a range of loan options to refinance your Residential or Commercial SMSF Loan
Unlock the potential of your Self-Managed Super Fund (SMSF) with tailored property finance solutions. At SMSF Property Finance, we specialise in helping you invest in property through your SMSF, providing expert guidance, competitive rates, and a seamless process.
Austin Watson
Oscar was of great importance in securing my homeloan form my investment property. His patience with my many questions and his assistance when I was out of country try to make sure I had all the documentation completed was amazing. Without his help I don’t think I would be in the position I am with my property.
Harriet Swinburn
I had a very positive experience working with Oscar. He found a great option for me that suited my requirements. Oscar was knowledgeable, responsive and made the whole process straightforward.
Tony H
I had a great experience working with Sam Wetzler from Macleay Financial for my recent property purchase. Sam was extremely responsive, clear, and proactive throughout the entire process. From loan structuring to final settlement, everything was handled efficiently and without unnecessary stress. He made complex steps easy to understand and was always available to answer questions or follow up when needed. His ability to move quickly and keep things on track, especially under tight timelines leading up to settlement. Overall, a very smooth experience. I would definitely recommend Sam to anyone looking for a reliable and knowledgeable mortgage broker.
Michael Oates
Oscar worked with us for ~4 months throughout the whole process of getting pre-approval (prior to kicking off our property search) through to settlement. He was very helpful!
Oliver Morrisey
Sam helped us with an SMSF loan. He was extremely knowledgeable and guided us through the process like a pro. Highly recommend. Will definitely use again.
Vicki S
Sibella has been extremely patient and persistent is helping is to get the best deal. We had a complex issue and she managed to work through for us. Extremely happy with the outcome. We would never have achieved what was needed without her support.
Your SMSF can buy investment property using a Limited Recourse Borrowing Arrangement (LRBA). The property is held in a bare trust until the loan is repaid. The key steps are: confirm your borrowing capacity with a specialist SMSF broker, find the right lender, set up the bare trust structure, and settle. We handle the finance side — you find the property.
Typically 70–80% for residential SMSF loans, with some lenders going to 90% including insurance fees. Commercial SMSF loans are generally lower — around 60–70% LVR.
An LRBA allows your SMSF to borrow to buy a property while ring-fencing your other super assets. If the loan defaults, the lender can only claim the purchased property — not the rest of your fund. The property is held in a separate bare trust (usually with a corporate trustee) until the loan is paid off.
The property must meet the sole purpose test (retirement benefit only), cannot be lived in or used by members or their relatives, and must be held in a bare trust structure. Residential property cannot be purchased from a related party.
Yes. Rental income from the investment property flows into the SMSF and can be used to cover loan repayments, alongside member contributions and other fund income.
A certified SMSF Trust Deed, Custodian (Bare) Trust Deed, SMSF financial statements, recent bank statements, and the property contract of sale. We’ll give you a full checklist when you get in touch.
Yes. Your SMSF can borrow to buy property through a Limited Recourse Borrowing Arrangement (LRBA). The loan must comply with the Superannuation Industry (Supervision) Act 1993, and only the purchased property is held as security — your other SMSF assets are protected.
Start by confirming your borrowing capacity with a specialist SMSF broker. If the numbers work, an SMSF adviser handles the fund setup. We work alongside SMSF accountants and advisers so the whole process is seamless for you.
An SMSF loan is a loan structured specifically for a Self-Managed Super Fund to buy investment property — residential or commercial. It must be set up as an LRBA. SMSF loans have stricter lending criteria than standard investment loans and are only available through specialist lenders, not the big four banks.
Yes, typically. The LRBA structure means lenders carry more risk, so rates are higher than standard investment loans. But rates vary significantly across lenders — using a specialist SMSF broker rather than going direct often results in a better outcome.
Level 7, Suite 7.01, 1 Castlereagh St, Sydney, NSW, 2000
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SMSF Property Finance is a subsidiary of Macleay Financial Pty Ltd (ABN 84653555198). Credit Representative #534891 is authorised under Australian Credit License #389087
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. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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