SMSF loans

Residential property

• Investment-only (you cannot live in it) 
• Must meet strict compliance rules 
• Income and growth sit within your super

SMSF lending involves multiple moving parts:

• Lending requirements 
• Superannuation compliance 
• Legal structures (bare trusts) 
• Tax considerations 

Getting it wrong can be costly and difficult to unwind.

SMSF loans are assessed differently to standard home loans.

Lenders will consider:

• SMSF balance and contributions 
• Rental income from the property 
• Personal financial position (in some cases) 
• Loan structure and compliance

This is often overlooked—but incredibly important

Many people assume once their SMSF loan is set up, that’s it.

In reality, SMSF loans can often be:

• Refinanced to a better rate 
• Restructured as your fund grows 
• Reviewed to ensure they remain competitive

This is often overlooked—but incredibly important

Many people assume once their SMSF loan is set up, that’s it.

In reality, SMSF loans can often be:

• Refinanced to a better rate 
• Restructured as your fund grows 
• Reviewed to ensure they remain competitive

• Experience in both residential and commercial SMSF lending 
• Clear, simple explanations (no jargon) 
• Collaboration with your accountant or adviser 
• Access to a wide range of lenders 
• Ongoing support—not just a one-off transaction