The Experts in SMSF Property Loans

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SMSF PROPERTY LOANS PROCESS

Understanding the SMSF Property Loans process

No matter what your circumstances, we will find the right home loan for you from our range of Australia’s leading lenders. We will do all the research and then present you with all your options.

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Step 01

SMSF Setup and Consultation

Start by establishing your Self Managed Super Fund (SMSF). Consult with your accountant or financial adviser to understand SMSF lending rules and ensure this strategy aligns with your financial goals.

Step 02

Property Trustee Appointment

Appoint a property trustee who will act on behalf of your SMSF to purchase the property. Seek guidance from your accountant or financial planner during this process.

Step 03

Mortgage Broker Selection

Choose a specialised SMSF lending Mortgage Broker who will assist you in selecting the right lender. They will also ensure you understand SMSF loan property requirements, lender rates, terms, and conditions, and advise you on your maximum borrowing capacity.

Step 04

Mortgage Application Preparation

An Assured Lending mortgage Broker will assemble your pre-approval SMSF loan application and liaise with the lender on your behalf.

Step 05

Property Selection

Select an investment property that meets the criteria set by lenders for SMSF loans.

Step 06

Deposit and Contract Exchange

Upon loan approval, your property trustee uses your SMSF funds to pay the deposit, legal costs, loan fees, and stamp duty. Contracts are then exchanged.

Step 07

Settlement Process

At settlement, the property trustee mortgages the property to your lender, who pays the balance of the property purchase.

Step 08

Rental Income and Property Management

Once the property is leased, your SMSF begins receiving rental income. Your SMSF is responsible for covering property-related costs and making loan repayments, similar to any other real estate investment.

Step 09

Property Ownership Transition

The property is held in trust for your SMSF by the property trustee. After loan repayment, you can choose to transfer the legal title to your SMSF or opt to sell the property.

Grow Your Retirement Wealth with SMSF Property Investment

Using your Self-Managed Super Fund (SMSF) to invest in property is a powerful strategy to build retirement wealth — but it comes with special rules, tax benefits, and lender requirements.Assured Lending helps SMSF trustees navigate these complexities with expert advice and access to suitable loan options from Australia’s leading lenders.

What Is an SMSF Property Loan?

An SMSF property loan is a specialised mortgage that enables your self-managed super fund to borrow money to purchase an income-producing property. These loans are structured under a Limited Recourse Borrowing Arrangement (LRBA) — meaning the loan is secured only against the property, protecting other SMSF assets. To comply with super rules, the property must be held for investment purposes (not owner-occupied), and the purchase must align with your SMSF’s documented investment strategy.

Why Consider SMSF Property Loans?

Investing through your SMSF can offer unique tax and retirement planning benefits:

Tax-Smart Growth Potential

Rental income from the property is taxed at a concessional rate (generally up to 15%) — often lower than personal marginal tax rates. Capital gains may be reduced or even tax-free if the property is sold while members are in the pension phase.
Asset Protection

With a limited recourse loan, only the property itself is at risk if the SMSF defaults — other assets in the SMSF aren’t exposed.
Controlled Investment Strategy

SMSF trustees have full control over investment decisions, leasing, and property management in line with the fund’s strategy.

Who SMSF Property Loans Are For

This loan type helps SMSFs that want to:

Buy investment property through their super fund
Use superannuation savings to benefit long-term retirement goals
Access borrowing through a Limited Recourse Borrowing Arrangement
Build a diversified investment portfolio inside super

However, these loans must always align with strict regulatory requirements — including ATO rules on ownership, related parties, and investment purpose.

What Lenders Look For

SMSF lenders through Assured Lending typically assess:

SMSF Deposit: At least 20% of property value (varies by lender).
Rental Income Potential: Expected rent is included when considering repayment capacity.
Super Contributions: Regular and consistent member contributions help demonstrate capacity to service the loan.
SMSF Compliance: Your SMSF must comply with ATO and ASIC rules for trustee structures and investment strategy.

Why Partner with Assured Lending as your SMSF Lending Specialist?

SMSF property loans require expert navigation of tax, legal, and lending regulations. Assured Lending can help you:

Compare a wide range of SMSF lenders
Structure your application for the best approval outcomes
Explain the tax, compliance, and strategic factors involved
Support you from planning to settlement and beyond

Ready to Explore SMSF Property Loan Options?

If you’re ready to buy or refinance but don’t have standard income documentation, let’s talk. We’ll help you navigate your options and find a solution that works.

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5-Star ⭐ Google Reviews

I wholeheartedly recommend Quintin as a mortgage broker for anyone seeking to refinance an SMSF loan. His deep knowledge, attention to detail, prompt communication, and unwavering dedication to client satisfaction make him an outstanding professional in his field.

Hoai Huynh

Quintin was so professional from start to finish. Answered all of of questions and made the whole process smooth and simple. Highly recommended.

Danny Bray

Amanda from Assured Lending Mortgage Brokers was instrumental in assisting me with purchasing my first property. She was extremely approachable, knowledgeable and very responsive. Whenever I had a question she was quick to respond and provided me with insightful and expert advice throughout the process.

Drazen Cuca

Couldn’t be happier with the service provided. Being my first home loan, I had lots of questions – Quintin was very helpful, knowledgeable and provided thorough explanations. Good communication was key and he was readily available for a chat from start to finish.

Roy Kennard

Quintin is friendly and approachable. He explains everything well. He was always contactable and got the loan done quickly and efficiently. I would definitely use Quintin again 😀

Sarah Marsh