SMSF Loans

Using your Self‑Managed Super Fund (SMSF) to purchase property can be a powerful long‑term wealth strategy. SMSF loans operate under a Limited Recourse Borrowing Arrangement (LRBA), meaning the lender’s security is limited to the property being purchased protecting the rest of your super balance. Because SMSF lending is highly regulated and more complex than standard home loans, you need specialist guidance. Savvy Home Loans has a dedicated in‑house SMSF broker who works closely with your accountant or financial planner to ensure your loan is compliant, strategic and aligned with your retirement goals.

What an SMSF loan allows you to do

An SMSF loan enables your fund to borrow money to purchase an investment property held in a separate trust. This structure allows your SMSF to leverage into property while keeping other fund assets protected.

Common SMSF property purchases include:

• Residential investment property

• Commercial property

• Industrial or warehouse property

• Business premises (leased back to your business at market rent)

SMSF lending requirements

While each lender differs, most SMSF loans require:

• A compliant SMSF and investment strategy

• A separate bare trust (custodian trust)

• Strong contribution history

• Sufficient liquidity remaining in the fund

• Evidence of rental income or projected yields

Your dedicated SMSF broker will help you understand each lender’s criteria and prepare a strong application.

Benefits of SMSF property investment

• Ability to diversify your super into property

• Potential long‑term capital growth

• Rental income paid into your SMSF

• Tax‑effective environment for investment earnings

• Limited recourse structure protects other SMSF assets

When structured correctly, SMSF lending can accelerate retirement wealth.

1. Strategy & structure
We review your SMSF setup, goals and borrowing capacity, and confirm your LRBA structure meets lender requirements.

2. Compare SMSF lenders
We assess specialist SMSF lenders to find competitive rates, flexible terms and policies that suit your fund.

3. Documentation & trust review
We work with your accountant or solicitor to ensure your trust deed, bare trust and investment strategy are compliant.

4. Application & approval
We prepare your SMSF loan application and liaise with the lender for a smooth approval process.

5. Settlement & ongoing support
We coordinate settlement and remain available to review your loan as your fund grows.