From Super to Bricks: Investing Made Easy with SMSF Home Loan Brokers

Thinking of buying residential or commercial properties? In search of SMSF home loan broker, are you? Buying property using your Self-Managed Super Fund (SMSF) can be a smart way to grow your money for retirement. But the rules are different, and it can be hard to do on your own. That’s where Cash Capital can help- with your property and financial situation.

We’re a team of friendly and experienced finance experts and mortgage brokers. We help you get a loan through your SMSF so you can buy property the right way — safely, legally, and wisely.

Whether you want to buy a residential property, investment property or a commercial building using your super, we’re here to guide you every step of the way.

Why SMSF Lending Is Different — and Why You Need a Broker Who Knows It?

Getting a home investment loan through a self-managed super fund SMSF is not like a normal home loan. Here’s why it’s different:

Special rules: The government has rules that say you can only use SMSF loans to help your retirement.
Different setup: You need a special trust to hold the property, not just the SMSF.
Fewer banks offer these loans: Not all banks will lend to SMSFs.
Bigger deposit: You usually need at least 20%–30% of the property price saved in your SMSF.
Lender takes less risk: If things go wrong, the bank can only take the property — not all your super.

That’s why you need a broker who really understands SMSF home loans— like the team at Cash Capital. We make it simple and safe for you.

Every SMSF loan journey begins with a free, no-obligation consultation. Assess your borrowing capacity with us.

Think of Us as Your SMSF Lending GPS

When you want to drive somewhere new, you use GPS. When you want to invest with your SMSF, you need a finance GPS — that’s us. Here’s how Cash Capital helps you with your self-managed super fund loans, limited recourse borrowing arrangement LRBA and interest rate:

Check if SMSF property is right for you
Find the right loan and lender
Help set up the correct trust
Fill out forms and deal with the bank
Work with your accountant or lawyer
Make sure everything follows the rules
Answer all your questions, big or small

We’re here from start to finish — and even after your loan is done.

SMSF Home Loan FAQs — Simple Answers to Common Questions

What is a limited recourse loan?

A limited recourse loan is a loan where if you can’t pay the loan within the time period, the bank will only take the property you have bought and nothing else from your SMSF. It helps keep your super safe.

What kind of property can I buy?

With SMSF, you can buy residential or commercial property, but hey; that should be only for investment purpose. And you cannot buy any kind of land or property for building your home or holiday house- it should be rented to others and not for personal use.

Are interest rates higher for SMSF loans?

Yes, a little bit! Usually, SMSF loans can have higher rates of interest than normal home loans and that is because they are more complex for the bank.

Can I buy a shop or office through my SMSF?

Absolutely, you can! You can even rent it to your own business if you pay fair market rent. Many business owners do this through their SMSF.

What documents do I need?

You’ll need your SMSF deed, trust documents, a loan plan, ID, bank statements, and more. Don’t worry — we’ll give you a full checklist and help gather it all.

What You’ll Need to Work with an SMSF Loan Broker?

Before you can get aself-managed superannuation fund SMSF loan, there are a few things you’ll need to have ready. Don’t worry — we’ll help you with all of this.

A Proper SMSF

You must have a working SMSF set up with the ATO (Australian Tax Office). It must be legal and follow the rules.

A Clear Plan

Your SMSF must have a written plan that shows why buying property is a smart choice for your retirement.

Enough Money

You need to show that your SMSF has enough money to pay the deposit, fees, and loan repayments.

A Special Trust (called a “bare trust”)

The property must be held in a separate trust until the loan is paid off. We’ll help arrange this with a lawyer or expert.

Good Income

The SMSF needs to show that it can make the loan payments using rent and super contributions.

Abbas Khorakiwala

Priyank Dubey

Naitik Shah

Mary Joy

Dwight Cruz

Not Just a Broker. We’re Your SMSF Lending Partner.

At Cash Capital, we don’t just help you borrow money and walk away. We are your partner.We:

Explain everything in simple words
Work with your accountant or advisor
Expert in limited recourse borrowing arrangement
Help you avoid costly mistakes
Pick the right loan with good terms
Stay with you even after the loan is done

We are on your side. Always.

Speak with a Specialist — No Bank-Speak, Just Smart Guidance

Don’t let the banks confuse you with hard words. Speak to one of our friendly experts today. We’ll explain everything clearly and help you take the right steps.

Ready to Start? We’re Here to Help.

At Cash Capital, we make SMSF property loans easy to understand and simple to do.Our SMSF home loan brokers help you:

Talk to us today and let’s plan your smart investment together.

Range of financial calculators

Check out our range of financial calculators below. Please contact us for more information and discuss your options tailored to your personal circumstances.