SMSF Property Loans

We compare specialist SMSF loan options and manage the lending process alongside your financial, legal and tax advisers.

5.0

from 7 Reviews

Understanding SMSF Loans for Property Investment

A self-managed super fund may be able to borrow to purchase eligible residential or commercial property. This is generally done through a limited recourse borrowing arrangement, commonly known as an LRBA.

Under an LRBA, the property is held in a separate holding trust while the loan is outstanding. If the fund defaults, the lender’s rights are generally limited to the property purchased through the arrangement. The legal ownership can transfer to the SMSF after the loan has been repaid.

What will an SMSF lender assess?

SMSF lenders may consider:

The fund’s balance and available deposit
Member contributions and contribution history
Expected rental income
Existing fund assets and liabilities
Liquidity after the property purchase
Ongoing property and SMSF expenses
The fund’s ability to meet loan repayments
The type, location and value of the property
The proposed loan amount and loan-to-value ratio

SMSF property loans can have different deposit requirements, interest rates, fees and lending criteria from standard investment loans.

Important rules and considerations

Residential property owned by an SMSF generally cannot be occupied or rented by a fund member or related party. Eligible business real property may, in some circumstances, be leased to a related business on commercial terms.

SMSF borrowing can involve establishment costs, specialist legal documents and ongoing accounting, audit and property expenses. The fund must also maintain sufficient cash flow to meet repayments and its other obligations.

Before signing a property contract, obtain independent financial, legal and tax advice to confirm that the SMSF, investment strategy and ownership structure are appropriate and correctly established.

Ready to chat to one of our team?

Book an Appointment

Why choose BetterLend for your SMSF property loan?

SMSF lending involves specialist lenders, additional documents and coordination between several professionals. We focus on keeping the finance side organised, clearly explained and moving forward.

With BetterLend, you’ll work directly with Luke throughout the lending process. We’ll:

Compare suitable SMSF loan options from our panel of lenders
Explain lender requirements, deposit expectations, rates and fees
Identify the documents required before an application is submitted
Work alongside your financial adviser, accountant and solicitor
Manage the application, valuation and lender communication
Keep you informed through to approval and settlement

You’ll have one point of contact who understands the application and remains available throughout the process—without call centres or unnecessary handovers.

Book Appointment

Frequently Asked Questions

What does a mortgage broker actually do?

Luke will help you understand your borrowing options, compare suitable loans from his panel of lenders and manage your application through to settlement. He’ll handle the lender discussions, paperwork and follow-up while keeping you informed at every stage.

Why use a mortgage broker instead of going directly to a bank?

A bank can only offer its own products. Luke can compare options from a panel of banks and non-bank lenders, giving you a broader view of what may suit your circumstances. As a mortgage broker, Luke is legally required to act in your best interests when providing credit assistance.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Can Luke find me the lowest interest rate?

The lowest advertised rate isn’t always the lowest-cost or most suitable loan. Luke will compare interest rates alongside fees, loan features, lending criteria and flexibility. He’ll explain the available options and why a particular loan may be appropriate for your circumstances and goals.

What’s involved in refinancing a home loan?

Luke will begin by reviewing your current loan, interest rate, repayments and goals. He’ll then compare suitable alternatives and explain the potential benefits, fees and switching costs. If you decide to proceed, Luke will prepare the application, coordinate any valuation, manage the approval and discharge process, and keep you updated through to settlement.

What happens during my first appointment?

Luke will take the time to understand your goals, income, expenses, existing debts, deposit and future plans. From there, he can estimate your borrowing capacity and explain the next steps. It helps to have recent income documents, bank statements and details of your current debts, but you don’t need everything prepared before the first conversation.

Our Recent Reviews

Luke has helped me greatly in recent times to keep me on the best mortgage product that fits my circumstance. He makes the process very simple and stress free. I can absolutely recommend his services to anyone looking to refinance their loan. 110% happy client here.

Ben Cook

Luke is always so helpful and easy to work with. He is available any time to answer your questions and find the best possible option for you. Would highly recommend Luke and will continue to work with him in future.

Anthea Georgiou

Luke from BetterLend did an excellent job of helping us with our mortgage. Luke provided us with all the information we needed, explained all of our options and made it very easy to get our home loan assessed and approved. His communication is both professional and knowledgeable, making the mortgage aspect of the home buying process smooth and stress-free!

Shane Ducksbury

My partner and I just bought our first home, and we truly couldn't have done it without Luke! From the very beginning, he was incredibly supportive, patient, and knowledgeable—always taking the time to explain every step of the mortgage process in a way that made us feel confident and informed. He helped us navigate everything from pre-approval to settlement with ease, and was always quick to respond to questions, even outside regular business hours. We’re so grateful for his guidance and can’t recommend them highly enough to anyone looking for a trustworthy and experienced mortgage broker. Thanks again!!

MitchC

Contact

Oyster Bay, NSW

0417432504

BETTERLEND MORTGAGE CORPORATION PTY LTD ABN: 32 666 834 073. Credit Representative #530790 is authorised under Australian Credit Licence #391237

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.