Renee and the team at RD Finance Solutions are your trusted mortgage brokers, offering extensive experience with SMSF property loans.
SMSF property loans can be complex and often overwhelming. As self-managed super funds are subject to rigorous audits, and strict lending criteria borrowing through an SMSF isn’t as straightforward as securing a traditional investment loan.
The good news is that with a mortgage broker who specializes in SMSF loans, navigating the regulatory and legal requirements becomes much simpler. We’ll collaborate with your accountant or financial planner to ensure everything is in order, making the process smooth and more manageable.
We assess your Self-Managed Super Fund’s financial position to determine how much it can borrow and ensure any loan aligns with superannuation rules.
SMSF loans come with strict conditions - so we compare lender options and recommend a compliant loan structure that fits your investment strategy.
We help you understand how to set up the necessary entities, such as a bare trust, and work closely with your accountant or financial planner to keep everything on track.
From setup fees and legal costs to ongoing loan repayments, we break down the full cost of borrowing through your SMSF so you can plan effectively.
We collaborate with your SMSF administrator, accountant, and solicitor to ensure all documentation and processes meet regulatory requirements.
From loan approval to property settlement, we manage the process end-to-end and remain available for any questions as your fund’s needs evolve.
Renee and the team are fabulous! We have been loyal customers of RD Finance Solutions for over 8 years and have had them assist us with finance for many home loans, investments and refinances. Prompt, reliable, accurate advice and support every time.
Kathleen McKain
Thinking about purchasing property through your Self-Managed Super Fund? SMSF lending comes with unique rules and responsibilities, so it’s important to understand the numbers before you move ahead. Questions like “How much can my SMSF borrow?”, “What will the repayments look like?” and “Can I structure the loan to maximise the benefits for my fund?” are common, and we’re here to help you find the answers.
Our easy-to-use calculators are a great starting point to help you assess affordability and plan your investment strategy:
An SMSF loan allows your self-managed super fund to borrow money to purchase an investment property. The property is held in a separate trust and must be for investment purposes only – no personal use is allowed.
No. Properties bought with an SMSF loan must be for investment only. You or any related parties cannot live in or personally use the property, even temporarily.
Typically, lenders require your SMSF to have at least 20 – 30% deposit, plus enough available funds to cover legal costs, stamp duty, and ongoing expenses. Lending criteria for SMSF loans are stricter than standard loans.
Generally, SMSFs can buy residential or commercial investment properties. However, vacant land, off-the-plan properties, and construction loans are often restricted or not allowed under SMSF lending rules.
Yes. SMSF lending involves strict legal and compliance requirements. It’s essential to work with a mortgage broker experienced in SMSF loans, along with a qualified accountant or financial planner, to ensure the structure meets ATO regulations.
When you’re ready to take the next step, we’re here with expert advice and personalised support to guide you through your SMSF investment journey.
