Increase the growth of your SMSF Property Investment.
Get specialist advice from the SMSF Loan Experts today. No fees & charges. No obligation. Call 1300 781 680 or request a call back below!
Trusted & Awarded
Industry-Leading SMSF Loan Experts
Low Interest Rate & Flexible SMSF Loans
Access Ultra-competitive SMSF loan rates with unrivalled property flexibility.
Focused Expertise
Approval for more property types including high rises, hobby farms, and agricultural operations
Property Loans
Higher purchasing capacity and lower rates, fees and charges than other brokers.
SMSF Expertise
Expert attention to the complex paperwork required for self managed super funds
Our Services
Whether you're looking to refinance an existing SMSF loan or need finance to buy a property investment in super, our experienced team of self-managed superannuation fund service providers can help you find the right SMSF loan.
Residential SMSF Property Loans
As a self managed super fund SMSF trustee, borrowing to purchase an investment property could be the financial kick-start you’ve been searching for. We can help you access the best finance solutions to purchase your investment. Our strategies help to maximise the growth of your SMSF residential investment property.
SMSF Loan Refinance
If your residential or commercial property loan is more than 2 years old, you could be missing out on more competitive products recently released to the market. We compare products and strategies with your finance needs, to match you with the most cost-effective loan for your circumstances.
SMSF Setup
Ensure your self managed super fund is set up correctly and compliantly. We help with the set up of your fund, all the way through to the settlement of your property - we can even organise to have your loan pre-approved before your super fund has been established.
Commercial SMSF Property Loans
Looking for a loan to purchase a commercial investment property inside of super? With access to a number of commercial loan products, we can build a tailored investment strategy for your self managed super fund commercial property investment.
SMSF Lending Strategy
Our goal is to find the right Self Managed Super Fund lending strategy for you. Investing in property within your SMSF can be complicated - Our experts help simplify the whole process.
Bad Credit SMSF Loans
Having a bad credit score doesn’t have to mean you miss out on borrowing to invest or get stuck with high interest rates. At SMSF Loan Experts, we offer lending solutions especially geared for clients with a less than perfect credit history.
How Our Super Fund Loan Process
Works
Our streamlined process ensures you get the best SMSF loan with minimal hassle.
Here’s how it works:
How Our Super Fund Loan Process
Works
Our streamlined process ensures you get the best SMSF loan with minimal hassle.
Here’s how it works:
Assess and Plan
We assess your situation and explore
lending options to plan your investment
strategy.
Apply and Negotiate
We manage the loan application and
negotiate with lenders to get you the best
terms and rates.
Fund and Implement
Once approved, we ensure quick
disbursement and assist with your
investment strategy, providing ongoing
support as needed.
SMSF Refinance Special – Limited Time Only
SMSF Refinance Special – Limited Time Only
We have an new & exclusive, limited-time refinance offer that could save you thousands on your SMSF loan.
-
Residential rate from just 6.19% p.a.
-
Commercial rate from 6.69% p.a.
-
Offset account available with no rate loading
This special is only available for refinance clients and only until February 28th, 2026.
If you’ve been considering refinancing your SMSF loan, now is the time to act.
The Truth About Most SMSF Loans You'll Find On The Market Today
Most common self managed super fund home loans are stiff and restrictive - meaning you’re generally bound to a higher interest rate, with limits around the types of property you can borrow within your super fund, plus excessive fees & charges.
Property lawyers, banks, accountants, and financial advisers are all great at what they do, but the complex nature of self managed super fund lending and its regulations means that these professionals are rarely able to fully understand all that’s involved with SMSF lending.
As a result, it’s not uncommon for many self managed super funds to end up with lost deposits, non-compliant structures or home loans that limit the outcome of their investment. These errors could mean the SMSF trustee misses out on a larger nest egg when they retire.
We use our expertise to help facilitate the entire process to avoid unnecessary issues arising. We make investing simple, with great rates to boot!
The Right SMSF Loan Could Add Hundreds Of Thousands Of Dollars To Your Retirement
With a correctly optimised loan, self managed super fund structure, & property type, your fund could be hundreds of thousands of dollars larger when you retire. Here's some questions you need to ask when borrowing in your super fund.
Has my SMSF been given its maximum borrowing capacity?
If not, you’re missing out on optimising your investment returns.
Have Related Party loans been properly explained to me?
If not, your fund may end up paying thousands and thousands of dollars in fees and charges plus interests over the life of the loan – resulting in a lower balance in retirement.
Did you know that some lenders offer vastly different loan to value ratios to SMSF borrowers?
Being short changed could limit your purchasing capacity -resulting in a lower balance at retirement.
How We Help You Get Better Results From Your Super Fund
We help the trustees of Self Managed Super Funds optimise their loan and lending structure to get the best possible outcome, using the best lending products, smart strategies, and carefully tailored service and minimal fees and charges.
Imagine you could borrow at a competitive interest rate and purchase a high-growth, high yield property. Or imagine you could purchase that hobby farm you’ve always dreamed of, inside your super.
Enquire now to see how we can set you up with a flexible SMSF home loans, or refinance an existing loan. We offer a no-obligation, no strings attached chat, free from fees and charges.
Low Interest Rate & Flexible SMSF Loans
Access Ultra-competitive SMSF loan rates with unrivalled property flexibility.
Frequently Asked Questions About
SMSF Loans
Common Questions Answered
Yes, SMSFs can borrow money for property, managed funds, or shares using a
Limited
Recourse Borrowing Arrangement (LRBA)
. This process is heavily regulated, so
getting expert advice is recommended. Contact us for more details.
Navigating through property investments within an SMSF involves various
considerations such as property values, regulatory changes, interest rates, tenant
occupancy, and financial liquidity. Working closely with experienced experts can help
manage these factors effectively and ensure the stability and growth of your
investment portfolio.
ENQUIRE NOW
As SMSF Loan Experts, we walk you through which banks will lend money to self-managed super funds for commercial and residential property purchases, and some tips and tricks to be mindful of when borrowing to invest in your super.
Borrowing within a self-managed super fund (SMSF) perches itself higher on the complexity ladder than a run-of-the-mill mortgage on your family home. Overall, the process is fairly similar — your self-managed super fund gets a loan to purchase either residential or commercial investment property. However, when you seek out finance for an SMSF, it needs to be done under a Limited Recourse Borrowing Arrangement (LRBA).
LRBAs are a special structure that enables SMSFs to borrow money for the purpose of investment and therefore are the only avenue in which you can borrow within your fund.SMSF lending hasn’t been offered by Australia’s ‘Big 4′ banks since 2018 — so you won’t see things like Commonwealth Bank (CBA), NAB SMSF loans, or even Maquarie SMSF loans. Now, there are only a select few second-tier lenders who continue to offer SMSF loans. Your choice of lender is even further narrowed down by whether you’re looking to borrow for commercial or residential purposes. Some of the banks that give loans to SMSF clients include (but are not limited to):
-
Bank of Queensland
-
Switzer Home Loan
-
La Trobe Financial
-
Liberty Financial
-
Mortgage House
-
Reduce Home Loans
-
Granite Home Loans
-
Mortgage Mart
-
Think Tank
-
Firstmac
-
Yard
-
Better Mortgage Management
-
WLTH
A property loan through one of these lenders comes with fees and charges, plus an interest rate, just like a regular mortgage does.-
Thankfully, at SMSF Loan Experts, our name says it all; we are experts in SMSF loans and can assist you throughout the entire process to ensure that your loan structure is the best set up for your needs and strategy.
Depending on your needs, there are lots of different factors that can be played around with. The interest rate is one example of this. There are pros and cons to choosing a variable rate or a fixed rate. We help you decide on the right loan amount, features, and structure, including an offset account to reduce your interest expense and manage liquidity needs. We take you through everything you need to know so your loan amount matches your investment strategy and cash flow needs perfectly.Due to being a specialised form of lending, mainstream banks take a conservative approach and typically dislike the perceived risk of self-managed super fund lending, such as:
-
Being harder to recover their money if the SMSF defaults on the loan as LRBAs are ‘limited recourse’, meaning the lender is unable to go after an SMSFs other assets to recoup any lost funds.
-
How long it takes to sell commercial property compared to traditional residential mortgages.
-
The intricate web of legislation that is woven around limited recourse borrowing arrangements.
With potential fines to the SMSF trustee of up to $200,000 for a non-compliant lending structure, it’s essential to find the right finance expert for guidance on the best SMSF loan for your needs.-
Frequently Asked Questions About SMSF Loans
“We were so impressed, we hired them again to refinance the loans for our other properties.”
Lee Johnson, Melbourne
“SMSF Loan Experts helped with everything from advice about purchase and SMSF setup right through to settlement.”
Sarah Wilson, Brisbane
"We choose to use SMSF Loan Experts for our clients because their knowledge in this specialised field is outstanding."
John Collignon, C2 Lending
As Featured On
Cars and pink diamonds; what SMSF investors are buying besides equities
Talk about alternative investing! Our fearless leader Yannick went live on Ausbiz - Australia's leading provider of the latest news in Australian business, markets, economy and startups. Yannick discusses what the self directed crowd are buying when shares have run too hot. The answers may surprise you.
Talking Business Podcast
Our fearless leader Yannick was featured on the 'talking business podcast' that wraps up the week's business finance and economics news - in just 30 minutes! Yannick goes over SMSF's & NDIS investments.
Free SMSF Finance Session
Contact us today, or schedule a phone meeting with an SMSF Loan Expert to make sure you get the right SMSF Lending advice 1300 781 680
Melbourne Office
Suite 2, 54 Davis Avenue
South Yarra VICTORIA 314
1300 781 680