SMSF Loans

Take advantage of your self-managed super fund and use it to purchase your next investment property. We’ll help you get the perfect SMSF loan fast and stress-free.
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Getting an SMSF loan in Sydney

SMSF loans are a specialized type of financing used by Self Managed Super Funds (SMSFs) in Australia for property investments, whether residential or commercial.

These funds are private superannuation funds managed by their members, who usually act as trustees. If you are a member of an established SMSF, you can borrow money from lenders to facilitate the purchase of investment properties, which are held in a trust until the loan is fully repaid.

To qualify for such a loan, below are the criteria that must be met:

  • All trustees of the SMSF must agree to the loan.
  • The SMSF must be compliant with all Australian Taxation Office regulations and laws governing super funds.
  • The investment must meet the ‘sole purpose test’ of superannuation, meaning it must be maintained for the sole purpose of providing retirement benefits to the fund’s members.
  • The SMSF should have sufficient balance and liquidity to cover loan repayments, as well as other fund expenses and investment obligations.

If you’re looking to purchase an investment property using your SMSF, we can help you get the funding you need. Speak with our expert brokers today!

How can you benefit from self-managed super fund loans?


An SMSF loan allows you to use a smaller amount of your fund's money to make a larger investment in property, potentially increasing your returns.

Tax Benefits

The income from the property, like rent, is taxed at a lower rate within the SMSF. Also, if you sell the property after retirement, you might not have to pay capital gains tax.

Asset Protection

If your SMSF can't pay back the loan, the lender can only claim the property purchased with the loan, not the other assets in your SMSF.

Know your SMSF borrowing capacity

Your owner-occupied home loan repayments

Property type:
Repayment type:

Your estimated repayments:

Principal and interest period
Variable interest rate:
Comparison rate:
Total interest payable:
6.14% p.a.
6.14% p.a.

With 50+ lenders at your fingertips, you have the power of choice

When you set out on your own seeking a loan, banks have the power to reject you. But with us on your side, it’s the other way around. We choose the most suitable loan for your unique needs.

You’re only 3 steps away from your financial goal

Step 1

Reach out to us and let’s discuss your situation and what kind of loan you need.

Step 2

Sit back and relax while we search our network to find the perfect loan for you.

Step 3

Choose the best loan that suits your needs. Then we’ll submit a foolproof loan application to secure your financing.

Why Lend & Loan

10 years of experience

We’ve been doing this for a decade, so we’ve built strong connections with lenders and we know their lending policies inside out. This helps us find the right loans that suit your needs.

One-touch approvals

We know exactly what banks and other lenders require from the get-go. We’re experts at putting together foolproof loan applications that lenders approve without further questions. 


We’re not like your typical 9-5 mortgage brokers. You can reach us when you need us, and we’ll get back to you within four hours.

Efficient processes

We understand that you’re busy, so we keep things simple. We try to avoid in-person meetings to save you time and make the loan process easy and stress-free.

Don’t take our word for it, take theirs.

We’ve helped hundreds of Australians
get approved for a loan and achieve their financial goals. Hear it from our
happy clients.

Looking to make a purchase or investment?

Find out how much you can borrow.

Frequently Asked Questions

Yes, your SMSF can buy residential property with a loan, but it must be for investment purposes only and not used or rented by fund members or related parties.

The borrowing amount depends on your SMSF’s financial status, the lender's criteria, and the property value. SMSF loans typically have lower loan-to-value ratios than standard home loans.
Risks include higher loan costs, potential penalties for non-compliance, cash flow challenges if the property isn't tenanted, and impacts on retirement savings if the investment underperforms.
Yes, SMSF loan interest rates are generally higher than those for regular property loans due to the increased risk and complexity.
If your SMSF defaults on the loan, under a Limited Recourse Borrowing Arrangement, the lender can only claim the property purchased with the loan, not other assets in the fund.
Yes, SMSFs can use loans to buy commercial property, and in some cases, this property can be leased back to a business owned by fund members, within certain regulations.
The loan can enhance your fund’s growth through property investment but also carries risks that could affect the value of your retirement savings.