Our SMSF Lending Services

From residential investments to commercial property and refinancing, the SMSF Property Loan team connects you with Australia's leading SMSF lenders.

Our SMSF Loan Services

At SMSF Property Loan, we go beyond simply connecting you with a lender. We coordinate a complete team of trusted professionals — accountants, financial planners, buyers advocates, and specialist lawyers — to ensure your SMSF property transaction is compliant, efficient, and tailored to your fund's goals.

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SMSF Residential Loans

Purchase residential investment property through your SMSF using a Limited Recourse Borrowing Arrangement (LRBA). We compare 20+ specialist lenders to secure competitive rates with LVRs up to 80%.

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SMSF Commercial Loans

Your SMSF can purchase commercial property — including business premises that you operate from — provided strict ATO rules are followed. We specialise in SMSF commercial lending up to 70% LVR.

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SMSF Loan Refinancing

Already have an SMSF loan but locked into an uncompetitive rate? We manage the entire refinance process, reviewing your current structure and identifying lenders offering better terms.

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Your Complete SMSF Transaction Team

An SMSF property purchase involves more than just a mortgage broker. We coordinate directly with each of the following specialists on your behalf to ensure a seamless, compliant settlement.

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Accountant

Your SMSF accountant is the cornerstone of the transaction. They ensure your fund is structured correctly and compliant with ATO requirements before, during, and after the purchase.

Review and update your SMSF Trust Deed to permit borrowing
Establish or confirm the Corporate Trustee structure
Confirm the fund's investment strategy aligns with the property
Calculate post-settlement liquidity and super contribution projections
Ongoing SMSF administration, auditing, and annual tax lodgement

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Financial Planner

A licensed financial planner provides the strategic overlay — ensuring the property purchase fits within your broader retirement objectives and that your SMSF remains a compliant, high-performing fund.

Assess the suitability of property as an asset class for your SMSF
Model retirement income projections with and without the property
Advise on contribution strategies to support loan serviceability
Review insurance adequacy inside the SMSF
Provide the Statement of Advice (SOA) required by many lenders

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Buyers Advocate

SMSF property purchases have unique constraints — the property must be at arm's length and suitable for investment. A specialist SMSF buyers advocate sources compliant properties that maximise capital growth potential.

Identify properties that meet SMSF compliance requirements
Conduct due diligence on rental yield, capital growth, and liquidity
Negotiate the purchase price and contract terms on your behalf
Ensure the contract of sale is executed in the Bare Trust entity's name
Liaise with the mortgage broker and legal team at every step

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Specialist Lawyer

SMSF LRBAs require specialist legal documentation. Our partner lawyers are experienced in superannuation law and ensure every document is correctly prepared to avoid costly ATO non-compliance penalties.

Draft and execute the Bare Trust (Holding Trust) deed
Establish the Bare Trustee corporate entity
Review the contract of sale for SMSF compliance
Provide Independent Legal Advice (ILA) certificates required by lenders
Handle conveyancing and settlement in the correct entity name

How We Coordinate Your Transaction

1

Initial Assessment

We assess your SMSF's eligibility, balance, and serviceability with a no-obligation consultation.

2

Team Coordination

We connect you with our trusted accountant, financial planner, and legal partners to prepare your fund structure.

3

Property Selection

Our buyers advocate network helps identify compliant, high-performing properties suited to SMSF investment.

4

Lender Comparison

We compare 20+ specialist SMSF lenders to find the most competitive rate and structure for your fund.

5

Legal Setup

Our partner lawyers establish the Bare Trust and prepare all LRBA documentation required by the lender.

6

Settlement

We manage the final approval and coordinate a smooth settlement with all parties aligned.

Ready to Get Started?

Book a free, no-obligation consultation with our SMSF lending specialists. We'll assess your fund's eligibility and introduce you to the right team of professionals to get your property transaction moving.

Book a Free Consultation

The SMSF Property Loan team helps Australians buy property through their SMSF. We compare 20+ specialist lenders to find your best rate — at no cost to you.