Build your super with a smarter SMSF loan
Take control of your super with an SMSF loan designed to help you invest in property and grow your retirement portfolio.
SMSF loans let you use your superannuation to buy residential or commercial property, creating a strategic way to grow your portfolio before retirement.
Self Managed Super Fund Loans
A Self-Managed Super Fund (SMSF) loan is a specialist type of finance that allows a super fund to borrow money to purchase an investment property.
The property itself secures the loan, which means the rest of your super fund’s assets remain protected.
This setup allows trustees to invest in property without putting their entire super balance at risk.
Borrow to
grow your super
Use your SMSF’s balance to borrow and invest in property, helping you accelerate long-term retirement growth.
Tax-effective
investment strategy
Rental income and capital gains from SMSF properties are taxed at concessional super rates, keeping more of your returns invested.
Your super
stays protected
The loan is secured only by the property, keeping the rest of your super fund separate and protected.
Invest in residential or commercial property
Choose from a range of eligible property types, from residential investments to commercial premises owned by your SMSF.
Key Benefits
Leveraging an SMSF Loan for property investment can offer several advantages for your long-term retirement wealth strategy.
HOW IT WORKS
An SMSF loan follows a straightforward process. With the right setup and guidance, you can use your super to invest in property while keeping your fund compliant and protected.
Step 1: Setup your SMSF
Your SMSF must be set up to allow property investment. If you’re unsure, we can help confirm your fund is ready and guide you through the next steps.
Step 2: Choose an eligible property
Select a residential or commercial investment property that meets SMSF lending rules. The property is held in a separate trust until the loan is repaid.
Step 3: Apply for finance
Lenders assess the SMSF’s income, contributions, and projected rental income to confirm borrowing capacity. We can help prepare the required documents and connect you with lenders experienced in SMSF loans.
Step 4: Settle and manage your loan
After settlement, loan repayments are made from the SMSF’s income and contributions. The property becomes part of your super investment portfolio, helping grow your retirement wealth.
Who Uses SMSF Loans
SMSF loans are available to trustees of self-managed super funds that meet certain lender and compliance criteria. You may qualify if your fund:
We’ll review your fund’s structure and financials to help determine which lenders and loan types are best suited to your SMSF.
SMSF lending can be complex, but with the right partner, it becomes a clear and strategic process. At Alpha1 Financial Solutions, we combine financial expertise with legal insight to deliver seamless, compliant SMSF lending solutions.
Our team possesses in-depth knowledge of self-managed super fund regulations and the intricacies of Limited Recourse Borrowing Arrangements.
We work with both major and specialist lenders to find competitive rates and flexible loan options tailored to your fund’s needs.
From confirming your SMSF’s readiness to settlement, we manage the process with clarity and care so you can focus on growing your retirement portfolio.
With decades of combined experience across banking, finance, and law, we deliver advice and outcomes that stand up to scrutiny and deliver results.
A Self-Managed Super Fund (SMSF) loan allows your super fund to borrow money to purchase an investment property. The property secures the loan, keeping your other super assets protected.
Your SMSF borrows money from a lender to buy an investment property, and repayments are made using fund income and contributions. The property is held in a separate trust until the loan is fully repaid.
No. Properties purchased through an SMSF must be strictly for investment purposes and cannot be lived in or rented to you, your family members, or related parties.
No. SMSF members and related parties cannot directly lend money to their own fund, as this would breach ATO compliance rules. Only loans from approved lenders under a limited recourse borrowing arrangement are allowed.
Yes. Many lenders allow you to refinance your SMSF loan to access better rates or features. We can help review your existing structure and compare options across multiple lenders.
Several major banks and specialist lenders offer SMSF loans, though criteria can vary. We work with a panel of SMSF-approved lenders to find options suited to your fund’s financial position.
SMSF loans can involve higher setup costs and slightly higher interest rates because of their complex structure and compliance requirements. With the right lender and structure, the long-term benefits often outweigh these upfront costs.
Most lenders allow borrowing up to 70–80% of the property’s value, depending on your fund’s income, contributions, and liquidity.
Yes. Your SMSF can use existing fund balances to cover the deposit, stamp duty, and purchase costs.
While SMSF loans can help grow your retirement wealth, they involve strict rules and long-term commitments. We’ll help ensure your loan is structured correctly and remains compliant.
The information on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Terms, pricing and eligibility for lending products and finance solutions can vary depending on the lender, product type, borrower profile and project details. Independent professional advice is recommended before acting on this information.
