Trusted & Awarded
Low Interest Rate & Flexible SMSF Loans
Access Ultra-competitive SMSF loan rates with unrivalled property flexibility.
Approval for more property types including high rises, hobby farms, and agricultural operations
Residential or commercial property loans
Higher purchasing capacity and lower rates, fees and charges than other brokers.
Expert attention to the complex paperwork required for self managed super funds
Start a Self-Managed Super Fund with Expert Guidance!
Thinking of starting a Self-Managed Super Fund (SMSF) but unsure where to begin? We’re here to guide you through the process, addressing common questions such as:
-
How do I get started and establish an SMSF?
-
What is the process of buying a property with my super?
-
What are the upfront costs and ongoing fees of managing an SMSF?
-
How can I leverage my superannuation to invest in property?
Our team provides comprehensive support, from initial guidance on trust deeds to expert assistance in finding suitable loan options for your property investment goals. With our extensive network of legal consultants, financial advisors, and SMSF setup specialists, we can help ensure your super fund remains efficient and compliant.
Why Choose Our SMSF Guidance Services?
We offer comprehensive services to simplify your SMSF journey. By closely working with legal, financial, and property experts, we help address all aspects of your SMSF needs. Here’s why we are considered the most trusted choice for SMSF guidance in Australia:
Expert Guidance
Through our professional networks, we’ve helped hundreds of Australian investors navigate the path to an SMSF. We provide informed guidance to help you decide if an SMSF aligns with your investment and other financial goals.
Assistance with Loan Pre-Approval
Our team can connect you with lending solutions and arrange a loan pre-approval, even in the early stages of your SMSF planning. You can get your SMSF property investment goals off to a good start.
Access to Specialist Expertise
We provide access to the best lawyers, financial advisors and SMSF property experts. Our strong and wide network includes professionals who are accredited and well-versed in SMSF regulations.
Time-Saving Solutions
Our experienced specialists can assist with the necessary administrative steps, such as guidance on corporate trustee structures and ATO registrations for ABN, TFN, and GST. We’re here to simplify the process for you.
With our guidance, you can confidently go through the SMSF process, knowing you have access to expert advice and support at every stage. We focus on ensuring your SMSF aligns with legislation and suits your borrowing and property investment goals.
Understanding Limited Recourse Borrowing Arrangements (LRBAs)
-
Did you know that in 2007, changes to superannuation laws allowed SMSFs to borrow money to buy property via Limited Recourse Borrowing Arrangements (LRBA)?
-
What's a Limited Recourse Borrowing Arrangement?
-
Under the Superannuation Industry (Supervision) Act 1993 (SIS Act), trustees of SMSFs are prohibited from borrowing except when borrowing under a limited recourse borrowing arrangement (LRBA). And LRBA is a loan to an SMSF for the purpose of acquiring an asset.
-
For protection against other retirement investments, LRBAs are non-recourse loans, which means the bank can't come after your other SMSF assets if the fund defaults on the loan.
Benefits of Setting Up an SMSF Correctly
When an SMSF is set up correctly with the right lending structure, there are many advantages, including:
-
More control over your investments.
-
Access to wider investment options like property.
-
Greater tax incentives.
-
The opportunity to maximise returns so that you can reach your retirement goals faster.
-
Lower superannuation administration fees.
FAQs
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.
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.
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
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
How is Division 293 Calculated?
Understanding the mechanics of Division 293 tax is the first step in managing it. The ATO doesn’t just look at your base salary; they look at your combined income, which is essentially your taxable income plus your concessional super contributions.
The tax is 15% of the lesser of two amounts:
1. The amount that exceeds the Division 293 tax threshold ($250,000).
2. Your total low-tax (concessional) super contributions for the year.
Meet Sarah. She’s a senior executive with a steady salary and standard super.
-
Taxable Income: $240,000
-
Super Contributions (SG): $28,800
-
Combined Income: $268,800
The Calculation: Sarah’s combined income exceeds the $250,000 threshold by $18,800. Since this excess ($18,800) is less than her total super contributions ($28,800), the 15% tax is only applied to the excess.
Division 293 Tax Assessment: $18,800 × 15% = $2,820
-
Meet Marcus. He earns well above the threshold and maximises his super every year.
-
Taxable Income: $350,000
-
Super Contributions (Cap): $30,000
-
Combined Income: $380,000
The Calculation: Marcus is over the threshold by $130,000. However, the law states you only pay the tax on the lesser of the excess or the contributions. Since his total concessional contributions ($30,000) are much lower than his $130,000 excess, the tax applies to the full $30,000.
Division 293 Tax Assessment: $30,000 × 15% = $4,500
-
Meet Elena. She usually earns $180,000, but in 2026, she sold an investment property, triggering a $100,000 capital gain.
-
Regular Income: $180,000
-
Net Capital Gain: $100,000
-
Super Contributions: $21,600
-
Combined Income: $301,600
The Calculation: Even though Elena isn’t a permanent high-earner, the Division 293 tax issued by the ATO only looks at the current year. She is over the threshold by $51,600. Because her super contributions ($21,600) are the lesser amount, she pays 15% on that entire sum.
Division 293 Tax Assessment: $21,600 × 15% = $3,240
-