SMSF Lending Specialists

Buying Property Through Your SMSF?

Expert SMSF lending across Australia, we know the rules, the right lenders, and how to get your property deal approved fast.



Australia-Wide

Australia-Wide

Australia-Wide

Fast Pre-Approval

Referral Trusted

Fast Pre-Approval

Referral Trusted

🔒 Your details are safe with us. No spam, ever.

🔒 Your details are safe with us. No spam, ever.

Built for SMSF Investors Who Are Serious About Property

If you're running a self-managed super fund and want to use it to buy an investment property, you're in the right place.

Background Image
Icon
SMSF Lending Specialists

We only do what we know, SMSF property loans, done right.

Background Image
Icon
SMSF Lending Specialists

We only do what we know, SMSF property loans, done right.

Background Image
Icon
Fast Pre-Approval

Know your borrowing capacity quickly so you can move with confidence.

Background Image
Icon
Fast Pre-Approval

Know your borrowing capacity quickly so you can move with confidence.

Background Image
Icon
Australia Wide

We work with clients across every state and territory

Background Image
Icon
Australia Wide

We work with clients across every state and territory

Background Image
Icon
Referral Trusted

Recommended by accountants, financial planners & SMSF specialists.

Background Image
Icon
Referral Trusted

Recommended by accountants, financial planners & SMSF specialists.

Why Invest in Property
Through Your SMSF?

Most Australians leave their super in managed funds and call it a day. SMSF investors know better.

Icon
Icon

Tax Advantages

Rental income is taxed at just 15% inside your SMSF. If the property is held for more than 12 months, capital gains are taxed at an effective rate of only 10%.Once your SMSF enters the pension phase, both rental income and capital gains can be received completely tax-free.

Icon
Icon

Leverage and Greater Control

An SMSF allows you to borrow money and purchase direct investment property. This gives you control over a much larger asset, direct ownership of real estate for long-term growth plus full flexibility over which property you buy and how it’s managed, something most super funds don’t offer.

No out-of-pocket expenses

No out-of-pocket expenses

Your SMSF Pays the Bills, Not You

Your SMSF Pays the Bills, Not You

Maintenance, council rates, property management fees, every ongoing expense for your SMSF investment property is paid directly from the fund.
• All property costs covered by your SMSF
• Preserve your personal cash flow
• Maximise compound growth in a low-tax environment

Maintenance, council rates, property management fees, every ongoing expense for your SMSF investment property is paid directly from the fund.
• All property costs covered by your SMSF
• Preserve your personal cash flow
• Maximise compound growth in a low-tax environment

Image
Image
Man Image
Man Image
Man Image
Image
Image
Image
Image
Image
Image
Image
Icon
Icon

5.0

• Trusted by SMSF Investors Nationwide

Ready to Use Your Super to Build Real Wealth?

A free, no obligation assessment with us will give you a clear picture of your borrowing capacity and the best path forward.

Man Image
Man Image
Man Image
Man Image
Man Image
Man Image
Man Image
Man Image
Man Image
Man Image
Man Image
Man Image
Man Image
Man Image
Ellipse 02
Ellipse 01
Ellipse 03

Real People.
Real Results.

A free, no-obligation assessment call will give you a clear picture of your borrowing capacity and the best path forward.

Frequently Asked Questions

What is an SMSF loan?

An SMSF loan (also called a Limited Recourse Borrowing Arrangement or LRBA) allows your self managed super fund to borrow money to purchase an investment property. The loan is 'limited recourse' if you default, the lender can only claim the purchased asset, not other assets in your fund.

How much can I borrow through my SMSF?

Most lenders will lend up to 70–80% LVR. Your borrowing capacity depends on your fund's size, the rental income of the property, and your contributions. We'll run the numbers in your free assessment.

Do I need my SMSF set up before applying?

Yes. Your SMSF needs to be established with a compliant trust deed before you can apply. If you haven't set one up yet, we can connect you with our recommended setup specialists.

Can I use my SMSF to buy any type of property?

Residential investment and commercial properties are both eligible. You cannot live in the property yourself it must be used for investment purposes only while held inside your SMSF.

How do SMSF Loan interest rates compare to regular home loans?

SMSF loans generally have higher interest rates than standard home loans due to their specialised structure. Through our strong relationships with Australia’s leading specialist SMSF lenders, SMSF Loans Australia can access some of the most competitive rates on the market. Depending on your loan amount, LVR, and financial position, attractive discounts may be available. Our experienced brokers compare variable and fixed rate options to help you secure the best SMSF mortgage.

What is an SMSF loan?

An SMSF loan (also called a Limited Recourse Borrowing Arrangement or LRBA) allows your self managed super fund to borrow money to purchase an investment property. The loan is 'limited recourse' if you default, the lender can only claim the purchased asset, not other assets in your fund.

How much can I borrow through my SMSF?

Most lenders will lend up to 70–80% LVR. Your borrowing capacity depends on your fund's size, the rental income of the property, and your contributions. We'll run the numbers in your free assessment.

Do I need my SMSF set up before applying?

Yes. Your SMSF needs to be established with a compliant trust deed before you can apply. If you haven't set one up yet, we can connect you with our recommended setup specialists.

Can I use my SMSF to buy any type of property?

Residential investment and commercial properties are both eligible. You cannot live in the property yourself it must be used for investment purposes only while held inside your SMSF.

How do SMSF Loan interest rates compare to regular home loans?

SMSF loans generally have higher interest rates than standard home loans due to their specialised structure. Through our strong relationships with Australia’s leading specialist SMSF lenders, SMSF Loans Australia can access some of the most competitive rates on the market. Depending on your loan amount, LVR, and financial position, attractive discounts may be available. Our experienced brokers compare variable and fixed rate options to help you secure the best SMSF mortgage.

What is an SMSF loan?

An SMSF loan (also called a Limited Recourse Borrowing Arrangement or LRBA) allows your self managed super fund to borrow money to purchase an investment property. The loan is 'limited recourse' if you default, the lender can only claim the purchased asset, not other assets in your fund.

How much can I borrow through my SMSF?

Most lenders will lend up to 70–80% LVR. Your borrowing capacity depends on your fund's size, the rental income of the property, and your contributions. We'll run the numbers in your free assessment.

Do I need my SMSF set up before applying?

Yes. Your SMSF needs to be established with a compliant trust deed before you can apply. If you haven't set one up yet, we can connect you with our recommended setup specialists.

Can I use my SMSF to buy any type of property?

Residential investment and commercial properties are both eligible. You cannot live in the property yourself it must be used for investment purposes only while held inside your SMSF.

How do SMSF Loan interest rates compare to regular home loans?

SMSF loans generally have higher interest rates than standard home loans due to their specialised structure. Through our strong relationships with Australia’s leading specialist SMSF lenders, SMSF Loans Australia can access some of the most competitive rates on the market. Depending on your loan amount, LVR, and financial position, attractive discounts may be available. Our experienced brokers compare variable and fixed rate options to help you secure the best SMSF mortgage.

Background image

Meet Your Broker

Ready to Use Your Super?

SMSF Lending Specialist

Cta Image (Background Removed)
Background image

Meet Your Broker

Ready to Use Your Super?

SMSF Lending Specialist

Cta Image (Background Removed)
Background image

Meet Your Broker

Ready to Use Your Super?

SMSF Lending Specialist

Cta Image (Background Removed)

Ready to Use Your Super?

Ready to Use Your Super?

Ready to Use Your Super?

A free, no-obligation assessment call will give you a clear picture of your borrowing capacity and the best path forward.

Logo

Credit Representative (539454) is authorised under Australian Credit Licence 384704. RMB Finance Pty Ltd Trading as SMSF Loans Australia (ACN 657 868 892)

Disclaimer: This website contains general information only and does not take into account your objectives, financial situation or needs. Consider whether our services are appropriate for you and seek professional advice where appropriate. Credit provided by various lenders. Terms, conditions, fees and charges apply.

Logo

Credit Representative (539454) is authorised under Australian Credit Licence 384704. RMB Finance Pty Ltd Trading as SMSF Loans Australia (ACN 657 868 892)

Disclaimer: This website contains general information only and does not take into account your objectives, financial situation or needs. Consider whether our services are appropriate for you and seek professional advice where appropriate. Credit provided by various lenders. Terms, conditions, fees and charges apply.


Logo

Credit Representative (539454) is authorised under Australian Credit Licence 384704. RMB Finance Pty Ltd Trading as SMSF Loans Australia (ACN 657 868 892)

Disclaimer: This website contains general information only and does not take into account your objectives, financial situation or needs. Consider whether our services are appropriate for you and seek professional advice where appropriate. Credit provided by various lenders. Terms, conditions, fees and charges apply.