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What Is an SMSF Loan?
An SMSF loan is a limited recourse borrowing arrangement (LRBA) that enables a self-managed super fund to purchase investment property. The property is held in a separate trust, meaning lenders have limited access to SMSF assets if the loan defaults.
How SMSF Loans Work
SMSFs can borrow to invest in property, with repayments made from the super fund’s income. Lenders require strict compliance with SMSF regulations, including proper loan structuring and investment strategy alignment. Choosing the right SMSF loan ensures long-term financial security and superannuation growth.
Who Can Apply for an SMSF Loan?
SMSF loans are available to self-managed super funds looking to invest in residential or commercial property. To qualify, an SMSF must have a solid financial standing, a well-documented investment strategy, and compliance with superannuation laws.
Investing through an SMSF offers long-term financial benefits but requires careful planning. Borrowers must ensure the fund generates enough income to cover loan repayments while maintaining compliance with ATO regulations.
Expert SMSF Loan Brokers for Property Investment
At Freedom Mortgage Solutions, we compare over 30 lenders to secure SMSF loans with compliant structures, competitive rates, and tailored repayment plans.
Compliance & Hassle-Free Loan Process
We ensure your SMSF loan meets all ATO regulations, managing the loan application, legal requirements, and lender approvals to streamline the process.
How to Secure an SMSF Loan
Getting approved for an SMSF loan requires meeting strict lending criteria. Lenders assess the SMSF’s income, investment plan, and compliance with super laws before approving funding. Proper structuring and expert guidance improve the chances of a successful application.
Borrowers must ensure their SMSF can sustain loan repayments while adhering to superannuation laws. Maintaining strong fund management and a clear investment strategy helps protect assets and maximise returns.
Benefits of SMSF Loans
SMSF loans allow investors to leverage their superannuation for property investment, potentially increasing retirement wealth through rental income and capital growth. With tax benefits and long-term asset appreciation, SMSF loans provide a strategic investment opportunity for fund members.
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FAQ
No, SMSF properties must be used strictly for investment purposes. Fund members and relatives cannot reside in or benefit personally from the property.
Lenders require the SMSF to have a strong financial position, a well-defined investment strategy, and compliance with ATO regulations before approving a loan.
SMSFs can only borrow for property purchase, not for renovations or improvements. Any upgrades must be funded from the SMSF’s existing balance.
Most lenders require a 20-30% deposit for SMSF property purchases, depending on the fund’s financial strength and investment strategy.
Yes, interest and expenses related to the SMSF loan can be claimed as tax deductions within the fund, helping maximise returns.
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