An SMSF loan allows your Self-Managed Super Fund to borrow money to purchase an investment property. The property is held in a separate trust, and the loan is structured so that the lender’s recourse is limited to that property only. This is known as a Limited Recourse Borrowing Arrangement (LRBA) and is required by law under the Superannuation Industry (Supervision) Act.
At Square One Finance, we help you understand the rules, requirements and advantages of SMSF lending so you can invest in property with confidence.
Using your super to invest in property can be a smart long-term strategy, but it must be done correctly. We’ll help you:
Understand borrowing capacity within your fund
Establish the correct trust and trustee structure
Choose between residential or commercial property
Source finance through approved SMSF lenders
Stay compliant with ATO and superannuation regulations
We’ll work closely with your accountant or financial adviser to make sure your SMSF purchase is structured properly from start to finish.
An SMSF loan can offer several advantages when managed correctly:
Grow your super through property investment
Access rental income and potential capital gains inside your fund
Use contributions and earnings to pay down the loan
Gain more control over your superannuation investments
We’ll make sure you understand both the benefits and responsibilities before you move ahead.
SMSF lending rules are complex, and not every lender offers these types of loans. You’ll need:
A compliant SMSF and trust deed that allows borrowing
Sufficient balance in your fund to cover the deposit and costs
Evidence of regular contributions or income
Professional support from a broker experienced in SMSF finance
At Square One Finance, we make sure every step is clear, compliant and aligned with your retirement goals.
We understand the complexities of SMSF lending and work with specialist lenders that cater to superannuation investors. With access to more than 50 lenders across Melbourne and Australia wide, we’ll compare competitive SMSF loan options and guide you through the setup, approval and settlement process.
Our goal is to help you grow your wealth through property investment in a way that’s structured, compliant and financially sound.
