SMSF Lending Made Clearer

Our experienced team understands the intricacies of SMSF lending and works closely with accountants to guide clients through this specialised area.

We access a broad range of lenders and flexible structures to tailor solutions to your fund’s objectives and compliance needs.

Key Tips for SMSF Lending

01

Understand SMSF regulations

Know the legal framework and trustee responsibilities to avoid compliance risks.

02

Choose the right property

Lenders favour investment-grade properties that produce stable rental income and make suitable security.

03

Evaluate cash flow

Ensure the fund can comfortably meet loan repayments, rates, insurance and maintenance.

04

Compare loan structures

Look at interest rates, features and fees across lenders to find the best fit.

05

Work with experts

Coordinate with your accountant and an SMSF-experienced broker to align tax, legal and lending strategy.

06

Document everything

Keep detailed records of every decision and transaction for ATO compliance.

07

Stay informed

Rules and market conditions change — review updates regularly.

08

Review strategy regularly

Check the investment’s performance against your retirement objectives.

09

Leverage specialist brokers

Specialist experience speeds approvals and finds lenders who accept SMSF structures.

Did You Know?

  • SMSF lenders generally do not accept construction loans.

  • Typical minimum deposit: many SMSF lenders require ~20% equity (varies by lender).

  • Borrowing capacity is assessed at the fund level, not against an individual trustee’s personal assets.

Why Our Customers Love Us

Ready to take the next step?

Whether you’re buying, refinancing, or investing, our experts compare lenders and find the right loan tailored to your needs.

Expert guidance to buy, refinance, or invest with confidence.

Contact

62 Marsh Parade, Casula NSW 2170

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