Self Managed Superannuation Funds

Planning for retirement?

Knowledge, support and reliable information is key to growing your Self Managed Super Fund (SMSF.) 


We're here to support your retirement strategy and to help you build worth the way you want to.

Check that your objectives comply with SMSF rules

Connect with specialist and niche SMSF lenders

Ensure your loan has the facilities your SMSF needs

What are the benefits of including property in your SMSF?

You're in charge of your destiny.


You choose what to invest in, and that can include direct property. All the running expenses of the property are paid by the fund, meaning you’re not out of pocket in the same way you would be with a directly-owned investment property. In addition, your fund can take advantage of significant tax benefits.

Weight Lifting

Following the rules

You can only buy property through your SMSF if you comply with the rules.  The property must: 

  • Meet the 'sole purpose test' of providing retired benefits to fund members

  • Not be acquired from a related party of a member

  • Not be lived in by a fund member or any fund members' related parties

  • Not be rented by a fund member or any fund members' related parties​

'If your SMSF purchases a commercial premises, it can be leased to a fund member for their business. However, it must be leased at the market rate and follow specific rules. 

Let's Look at Some Examples

Construction loans

The SMSF is able to pay for renovations out of its own funds, but cannot use the borrowed additional funds for this purpose.


Refinances of existing SMSF loans are only available from a few lenders.

Buying a property to live in via your SMSF

Buying a property in your SMSF that you intend to live in as a home is not allowed (owner occupied business premises are acceptable).

Selling a property you already own to your SMSF

Selling a residential property to your SMSF, that you or a related party owns is not allowed (commercial property is acceptable).


Banks have liquidity requirements when your borrow for your SMSF, but some lenders are less strict than others.​​

Can my SMSF get a loan?

We can help you identify potential borrowing obstacles and overcome them.


The main hurdle encountered by most SMSF applicants is proving that there is sufficient income in the trust to support the loan.

Typically, the banks will look at the current income of the trust based on its previous 2 years' tax returns and will then assess if that income, plus the proposed rental income, will be sufficient to service the debt.

Some lenders can also use the income of members or beneficiaries of the SMSF to support the application if a personal guarantee is provided.

What You Need to Know

Residential investment and commercial loans offered by the major banks are often not as competitive as those offered by smaller banks and building societies. 

For a standard home loan there is only a small difference between different lenders. However, for an SMSF loan there are big differences in fees and interest rates.

In particular, many major banks process loans for SMSFs via their commercial or business banking department. These parts of the banks are often associated with much higher costs than normal home loan departments. As a result, they often charge more for these loans.

In addition, not all lenders can provide an offset account with your mortgage, which is critically important if you have a lot of cash in your SMSF.

As well as leaning on our experience as expert mortgage brokers, we can work with your accountant or financial planner to explore if your intentions comply with lender rules and government regulations.

More Choice = Bigger Savings

We have access to a panel of more than 30 lenders.

Use our calculators to explore your borrowing power or enquire online to talk with a mortgage specialist.

Let's Talk

Call (02) 8313 8400 to talk with a loan specialist or email us at