Specialised SMSF Home Loans — Powered by 20+ Years of Expertise

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.

• 20+ Years of Experience – Extensive background in banking, lending, and wealth management

• Tailored Advice – Focused on your unique SMSF goals and structure

• Long-Term Approach – Supporting clients beyond a single transaction

• Access to Trusted Professionals – We connect you with accountants, lawyers, and financial planners

• Transparent Process – No misleading claims or shortcuts