SMSF Property Loans

Invest in property through your Self-Managed Super Fund with competitive rates from 18+ specialist lenders. Build wealth for retirement with expert guidance.

Why Use Your SMSF to Invest in Property?

Leverage your superannuation to build a diversified property portfolio with significant tax advantages

Competitive SMSF Rates

Rates from 7.24% p.a. with access to 18+ specialist SMSF lenders on our panel

Tax Advantages

Rental income taxed at just 15% within your SMSF, and capital gains taxed at 10% after 12 months

Portfolio Diversification

Add property to your super portfolio alongside shares and cash for better diversification

Asset Protection

Properties held in your SMSF are protected from personal creditors and bankruptcy

Expert Guidance

Our SMSF lending specialists navigate the complex compliance requirements for you

18+ Specialist Lenders

We compare SMSF loans from Thinktank, Liberty, La Trobe, Pepper Money, Firstmac, and more

SMSF Property Loan Options

Choose the right SMSF loan structure for your investment strategy

SMSF Residential Property

  • Rates from 7.24% p.a.
  • Up to 80% LVR for residential
  • Investment property only (not for members to live in)
  • Loan terms up to 30 years
  • Bare trust structure required

SMSF Commercial Property

  • Rates from 7.24% p.a.
  • Up to 70% LVR for commercial
  • Business premises can be leased to fund members
  • Significant tax benefits for business owners
  • Interest-only options available

SMSF Loan Rates & Terms

Competitive rates from our panel of 18+ specialist SMSF lenders

Interest Rates

From 7.24%

p.a. variable rate

Loan Amounts

$100K - $4M

For residential and commercial

Loan Terms

5 - 30 Years

Flexible repayment terms

Maximum LVR

Up to 80%

For residential property

SMSF Loan Eligibility Requirements

Key requirements for obtaining an SMSF property loan

SMSF Requirements

  • Compliant SMSF with a corporate trustee (recommended)
  • Sufficient super balance (typically $200,000+ combined)
  • Investment strategy updated to include property
  • Bare trust deed in place (or willingness to establish one)
  • Property must be an investment (not lived in by members)

Documents You'll Need

  • SMSF trust deed and corporate trustee documents
  • Latest SMSF financial statements and tax returns
  • Member statements showing balances
  • Property contract or details
  • Members' personal ID and financial position

How SMSF Property Lending Works

A limited recourse borrowing arrangement (LRBA) allows your SMSF to borrow to buy property

1

Set Up SMSF

Establish or update your SMSF with a corporate trustee and investment strategy.

2

Get Pre-Approval

We compare 18+ SMSF lenders to find your best rate and get pre-approved.

3

Bare Trust Setup

A bare trust (holding trust) is established to hold the property until the loan is repaid.

4

Settlement

Property settles in the bare trust name. Rental income flows into your SMSF.

Ready to Invest in Property Through Your SMSF?

Let our SMSF lending specialists compare 18+ lenders and find the best property loan for your self-managed super fund. Apply online in minutes.