Navigating the world of SMSF home loans isn’t easy. In fact, only 20 out of every 100 mortgage brokers in Australia are equipped to handle them. But with Abbas, you’re working with one of the few who doesn’t just understand the process — he masters it.
With over 20 years of experience in banking and wealth management across Mumbai and Melbourne — including with Citibank — Abbas has helped dozens of clients successfully finance their property investments through Self-Managed Super Funds (SMSFs). And with a 100% approval rate, he only takes on applications that are destined to succeed.
SMSF loans are not your average mortgage. The process is highly regulated, technical, and requires a coordinated effort between legal, accounting, financial planning, and lending professionals.
✅ You can use your super to buy property
✅ All income from that property goes back to the fund
✅ The property stays in the SMSF until retirement
✅ Rules around setup, trustees, and structuring are strictly enforced
Unlike standard home loans — where more than 50 lenders compete — only 10 specialised lenders offer SMSF lending. Rates are higher, requirements are stricter, and the paperwork is extensive. That’s why you need a specialist, not a generalist.
SMSF lending is very different from standard home loans.
Only a small percentage of brokers have the experience or lender access required to manage these loans properly. That’s where we come in.
We assess your SMSF loan readiness before you apply We guide you through legal, accounting, and trust setup We help match you with the right professionals if needed We have long-standing experience with SMSF lending regulations.
An SMSF home loans in victoria is a type of loan that allows a Self-Managed Super Fund (SMSF) to borrow money to purchase an investment property. These properties must be used strictly for investment purposes — not for personal use or benefit.
The SMSF sets up a bare trust to hold the property.
The loan is secured against the investment property only.
Rental income and capital growth go back into the SMSF to support retirement savings.
The property must be for investment purposes only.
The borrower is the SMSF, not an individual.
More complex structure involving trustees and legal compliance.
Often higher interest rates and stricter lending criteria.
Here’s what you’ll generally need:
SMSF Trust Deed
Bare Trust Deed
SMSF bank statements
Member balance statements
Evidence of super contributions
Property contract of sale
Identification documents for all trustees
Not every SMSF can qualify for a property loan — there are strict rules to ensure compliance.
The SMSF must be compliant with ATO regulations.
It must have a corporate trustee or individual trustees.
A bare trust (also known as a holding trust) is required.
Minimum SMSF balance: Generally, lenders prefer SMSFs with $150,000 to $200,000+ in funds before borrowing.
The property must be purchased for investment only, and transactions must be at arm’s length.
Here’s a simplified overview of how SMSF lending works:
Set up a compliant Self-Managed Super Fund with either individual or corporate trustees.
Establish a separate legal structure (bare trust) to hold the title of the property on behalf of the SMSF.
Choose a residential or commercial property that complies with SMSF investment rules.
Work with a lender to gain pre-approval, ensuring your SMSF meets the borrowing criteria.
Submit formal loan documents, undergo lender assessment, and settle the property under the bare trust structure.
Avoiding these pitfalls can save you major headaches:
❌ Buying property before SMSF is set up – The SMSF must be established before making any offers.
❌ Non-arm’s length transactions – All dealings must be at market value and with unrelated parties.
❌ Mixing personal and SMSF funds – All money used for deposits, repayments, or expenses must come from the SMSF only.
1. Only 10 Lenders in the SMSF Market – compared to 50+ for standard loans
2. Only 20% of brokers can handle SMSF loans properly
3. Abbas has a 100% success rate – only takes applications guaranteed to succeed
4. SMSF loans are more complex and expensive – requiring expert handling
5. Sticky product – clients rarely refinance due to complexity, so setup must be perfect
6. Abbas offers full service – can connect you with all required professionals
7. Free First Consultation – understand your readiness before paying anything
8. Checklist-Driven Lead Magnet – captures user interest and filters high-intent leads
9. 20+ years in banking and wealth management
10. Abbas is President of Two Schools – trusted community figure.
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