SMSF Tailored Lending Solutions

SMSF lending can be complicated. At times, frustrating. We’re here to simplify the process and find you the best tailored lending solution.

We can help you:

Maximise your SMSF borrowing capacity

So that your investment can achieve higher returns.

Check your SMSF structure for lending purposes

To ensure compliance and minimise costs.

Decide on the most effective strategy

Based on your circumstances, financial needs and goals.

Match your SMSF with a lender that will accommodate your strategy

We deal with over 17 SMSF lenders.

Secure a competitive loan, both in terms of fees and interest rates

Because we have our own credit license, we have access to some of the most competitive loans on the market.

Walk you through all documents required for your loan

The paperwork required for SMSF is complex and time consuming. Our goal is to make this process as painless as possible.

Prepare and lodge your loan application

Ensuring all details are accurate and compliant with the ATO’s strict SMSF regulations.

Liaise with the lender to ensure a timely approval of your application

We’ve had loans settled in less than 2 weeks.

Assist with the signing of complex loan documents

Some of the more complex paperwork requires legal advice and certain certificates must be witnessed by licenced financial advisors - both of which we can organise through our partnered firms.

Coordinate settlement

So that you can get on with saving for your retirement!

And the best part of it all? Our service to you is FREE.

We’re paid by the lender…

Looking for SMSF experts to help setting up your SMSF for investment? Or simply just want to know more about SMSF in general? Contact SMSF Loan Experts today. We are a team of qualified, highly trusted and devoted SMSF experts, with 12 years of experience in SMSF setup and lending across Australia.

What is an SMSF loan?

A SMSF is able to borrow money to purchase investments. An SMSF loan is when money is borrowed by a Self Managed Super Fund and its trustees, from a third party lender, and is used to purchase an investment — often property — with the goal to increase the SMSF members' retirement savings.

Can you refinance a SMSF loan?

Yes. Just like a regular home loan, refinancing is an option. However, there are strict SMSF loan refinancing regulations set out by the ATO that need to be adhered to in order to remain compliant. It is not possible to increase the loan amount — you are simply replacing the original loan. While repairs to the property are appropriate uses of the loan, you are unable to ‘improve’ an asset, so refinancing with the goal to renovate isn’t allowed.

How does an SMSF loan work?

When an investment property is purchased with an SMSF loan, the property is held in trust for the SMSF until the loan is repaid. This is called a Limited Recourse Borrowing Arrangement (LRBA) and exists to protect the other assets held by the SMSF in the event that the loan is defaulted on. If the loan is unable to be repaid, the lender can legally take only the property held in trust.

Can I occupy the property?

SMSFs are generally not allowed to lease property to a related party, which means you are unable to live in a residential property that has been purchased for an SMSF. Doing so would breach the “in-house asset rule” and could have severe consequences for the fund. However, if you have a business, a commercial property can be leased to the related business by the SMSF.