SMSF Lending — Property Finance for Self-Managed Super Funds

Buying property through your Self-Managed Super Fund requires specialist lending. Finseek sources competitive SMSF loan options from accredited lenders on our panel.

SMSF property loans operate under a limited recourse borrowing arrangement (LRBA), which means the loan structure and documentation are more complex than standard lending. A mortgage broker with SMSF experience can source competitive rates from specialist accredited lenders and coordinate with your accountant and solicitor on lending requirements.

SMSF Property Finance

SMSF lending requires specialist knowledge and accredited lenders. We manage the lending side of the process, sourcing competitive options and coordinating with your professional team.

Important Information

SMSF property investment involves complex legal, tax, and compliance considerations. We provide credit assistance only — we do not provide financial, tax, or superannuation advice. You should obtain independent advice from a qualified financial adviser, accountant, and solicitor before proceeding with an SMSF property purchase.

Frequently Asked Questions

Can my SMSF borrow to buy property?
Yes. SMSFs can borrow to purchase property under a limited recourse borrowing arrangement (LRBA). This is a specialist area of lending with specific compliance requirements — consult your accountant, financial adviser, and solicitor before proceeding.
What deposit does an SMSF need for a property?
Most SMSF lenders require a deposit of 20% to 30% of the property value, plus funds to cover stamp duty, legal costs, and other purchase expenses. The deposit must come from the super fund's existing balance.
Are SMSF loan rates different to standard home loan rates?
Yes. SMSF loan rates are typically higher than standard residential rates due to the additional complexity and risk involved. However, rates vary significantly between lenders, so comparing options is important.

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