Unlock the power of your super fund
We specialise in SMSF lending strategies — compliant, competitive, and designed for serious property investors. Access 40+ lenders with one specialist in your corner.
SMSF Loan Snapshot
Move with Intention. Live with Presence.
Every dollar in your super is a step toward your future. So why leave it to chance? With an SMSF loan, you're not just investing — you're directing your super with purpose.
Choose tangible, long-term property investments that align with your values, your goals, and your vision for retirement.
SMSF Property Loans
Take control of your super and unlock the potential of property investment. With SMSF loans, you can grow your retirement savings faster, enjoy tax benefits, and build a portfolio tailored to your goals.
-
Control Your Super Manage your own investments and choose property assets that suit your strategy.
-
Access Bigger Opportunities Borrow within your SMSF to purchase higher-value properties than cash alone allows.
-
Maximise Tax Benefits Enjoy lower tax rates on rental income and capital gains inside your SMSF.
-
Accelerate Wealth Growth Use leverage to build your retirement fund faster — with a compliant structure.
-
Diversify Your Portfolio Balance property with shares and cash for long-term stability and growth.
-
Secure Business Premises Buy the commercial property your business operates from — and lease it back to yourself.
-
Protect Against Market Swings Add stable, tangible property investments to hedge stock market volatility.
-
Plan Your Legacy Use property in your SMSF for effective estate planning and intergenerational wealth transfer.
Your super is already
working — is it working hard enough?
Most Australians let their super sit in a default fund, growing at median rates. SMSF property investors take an active role — directing their superannuation into real assets that generate rental income, capital growth, and tax efficiency simultaneously.
Rental income taxed at just 15% inside super. Capital gains discounted to 10% if held over 12 months. In pension phase — both can drop to 0%. No other investment vehicle in Australia offers this combination of leverage, tax efficiency, and asset ownership.
Take Control of Your Super. Smart Loans. Solid Property.
Your superannuation is one of your biggest assets. Don't leave it sitting idle. With the right structure, you can use it to invest in real property — and build lasting wealth, completely within ATO rules.
- Put your super to work — you choose the investments and how it grows.
- Own a real asset — buy residential or commercial property using your super.
- Control & flexibility — tailor the strategy to your goals and risk appetite.
- Setup, handled — ATO registration, trust docs and compliance done right.
- Finance that fits — we compare 40+ SMSF-friendly lenders and structure the loan.
- End-to-end management — paperwork, negotiations and settlement managed for you.
- Build wealth, tax-effectively — concessional tax inside super helps compounding.
- Time in the market matters — earlier action = more growth runway.
- Work with specialists — proven guidance within the rules, to your advantage.
Where most brokers stop,
we're just getting started
SMSF loans are complex. Most generalist brokers don't understand the compliance requirements, trust structures, or lender nuances. We do — and it makes all the difference.
Stay on the right side of the law with loan structures fully aligned with ATO regulations and SMSF rules. We ensure your LRBA is set up correctly from day one — protecting your entire fund.
Access a wide panel of SMSF-friendly lenders — far beyond what any single bank can offer. We help you find the best rates, terms, and fit for your fund, saving you thousands over the life of the loan.
Whether it's an investment property or your own business premises, we help your SMSF secure the right property loan — structured correctly for the asset type, your fund's goals, and current lending policies.
From bare trust deeds and custodian documentation to lender approvals and settlement, we manage the entire process — so nothing is left to chance and your compliance obligations are fully met.
No call centres. No overseas support desks. Just real Australian specialists guiding you through every step with clear, jargon-free advice — and genuine accountability for your outcome.
We understand that a non-compliant SMSF structure can put your entire fund at risk. Every loan we arrange is structured in accordance with the Superannuation Industry (Supervision) Act 1993 and the ATO's LRBA guidelines. We work alongside your SMSF auditor and legal advisors from day one to ensure your fund remains fully compliant throughout the entire process and beyond.
From strategy to settlement,
we handle it all
A specialist process designed to navigate the complexity of SMSF lending efficiently, compliantly, and with zero surprises.
Free Strategy Session
We assess your SMSF's borrowing capacity, investment goals, and fund structure. No cost, no obligation — just expert clarity on what's possible.
Research & Structuring
We compare the full specialist lender panel, structure your LRBA for compliance, and prepare all required trust documentation and application materials.
Application & Approval
We lodge with your preferred lender, manage all queries, and liaise with your solicitor, accountant, and SMSF auditor throughout the entire process.
Settlement & Beyond
We see your loan through to settlement — and stay in touch for refinancing reviews, portfolio expansion, and ongoing SMSF lending guidance.
Residential & Commercial
SMSF Property Loans
Both loan types structured as Limited Recourse Borrowing Arrangements (LRBA) — protecting your SMSF's broader assets while growing your retirement wealth through property.
Purchase a residential investment property through your SMSF. Rental income flows directly into the fund, growing your retirement balance in a concessionally taxed environment.
- Up to 80% LVR available
- Minimum loan $100,000
- Variable & fixed rate options
- Interest-only periods available
- Offset accounts with select lenders
- Corporate trustee required
SMSF trustees can purchase commercial property — including your own business premises — through your fund. A powerful dual-purpose strategy combining superannuation growth with business efficiency.
- Up to 70% LVR for commercial
- Purchase your business premises
- Non-specialised commercial property
- Rent paid to your own SMSF
- CGT concessions on disposal
- Existing loans — refinance welcome
Trusted by Australian investors
and SMSF trustees
Ready to put your
super to work?
Get a free, no-obligation SMSF lending assessment from one of our specialists. We'll assess your borrowing capacity, review your fund structure, and map out a compliant strategy — at zero cost to you.
Our SMSF specialists will be in touch within 1 business day.
Your information is kept strictly confidential. By submitting you consent to being contacted by a Broker360 specialist. Australian Credit Licence 570168. General advice only.
Assessment Request Received!
Thank you — a Broker360 SMSF specialist will contact you within one business day to discuss your options.
Everything you need to know about SMSF loans
Complex questions, plain-English answers. Our specialists have answered thousands of these — here are the most important ones.