SMSF property investment

Loans / SMSF Home Loans

Use Your SMSF to Build Your Future

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An SMSF home loan can help you explore property investment through your self-managed super fund. We can help you understand your available options and find a loan structure that aligns with your financial goals and strategy.

Home Loans Commercial Loans SMSF Loans

Flexible Lending for Your SMSF

Explore SMSF property lending options for different property strategies and long-term financial goals.

Residential Property

Explore finance options for purchasing eligible residential property through your SMSF, subject to lending and SMSF requirements.

Investment Property

Consider property investment opportunities through your SMSF with lending options designed around your investment strategy.

Rural & Commercial Property

Explore available finance options for eligible rural and commercial property investments through your SMSF.

Who it suits

Self-managed super fund trustees looking to purchase property through their SMSF.

Rates & benefits

SMSF lending has strict compliance requirements. We work alongside your accountant or financial adviser to set up your SMSF loan the right way (known as a limited recourse borrowing arrangement) with a lender who understands the rules.

Limited recourse borrowing arrangements
Coordination with your accountant/adviser
Lenders experienced in SMSF compliance
Clear breakdown of costs and obligations
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Quick repayment estimate

Estimated repayment $3,675 per month
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Estimate only, using a constant illustrative rate and monthly principal and interest repayments. Excludes fees and charges.
2021Broking since
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SydneyBased & local
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One broker, whole market

We compare loans from more than 25 lenders, so you're not stuck with whatever your own bank offers.

Commonwealth Bank
Westpac
ANZ
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Find out how much you can borrow

Use this tool to get a better idea of what's possible.

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SMSF Home Loans FAQs

Quick answers to the questions SMSF trustees and advisers ask most often before starting a loan application.

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Can I use my SMSF to buy a residential investment property? −+
Yes. An SMSF can borrow to purchase a residential investment property using a limited recourse loan, as long as the property is held in a separate trust (called a bare trust) and your fund has enough cash on hand.
How much deposit does an SMSF need for a home loan? −+
Most SMSF lenders require a minimum deposit of 20–30% of the property value, plus additional funds for stamp duty, legal fees and other purchase costs.
Can an SMSF borrow to buy a commercial property? −+
Yes. An SMSF can borrow to purchase commercial property, and a fund member's business can even lease the premises from the SMSF under certain conditions.
Do I need a bare trust for an SMSF home loan? −+
Yes. A bare trust (also called a holding trust or custodian trust) is a legal requirement for SMSF limited recourse borrowing arrangements. It holds the property title until the loan is fully repaid.
How long does SMSF home loan approval take? −+
SMSF loan approvals typically take longer than standard home loans — usually four to eight weeks depending on the lender, the fund's structure and the documentation provided.
Can rental income from the property be used to repay the SMSF loan? −+
Yes. Rental income received by the SMSF can be used towards loan repayments, along with other fund contributions and investment income.