Self Managed Super Fund Loans

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How Much Can I Borrow?

We can help you to apply for:

  • Standard SMSF Investment Loans: Up to 80% of the property value.

  • Commercial property: Up to 80% of the property value for non-specialised securities.

  • Interest rate: Most lenders add a large margin to their regular residential loan rates for SMSFs; we often see SMSF rate at 1 - 1.5%p.a higher.

  • Simple doc (no income evidence): SMSF low doc loans are very limited and have many restrictions.

  • Maximum Borrowing: Up to 80% of a residential property or 70% of a commercial property.

  • Standard investment loan rates may be available: Your SMSF structure must meet certain criteria.

  • Unusual security or income types: There are specialist lenders that can help.

  • Construction finance: SMSF construction finance isn’t available.

Lending policies for SMSFs vary among lenders, particularly in the way they assess your ability to repay the loan.

Please call us on 07 3147 8730 or fill in our free online assessment form to speak to a mortgage broker specialising in SMSF loans.

How Will The Banks Assess My Borrowing Capacity?

The income of the trust must be sufficient to cover all expenses associated with the loan as well as the loan repayments. This includes costs such as maintenance, insurance and council rates. The rental income from any property purchased through the SMSF may also be used to support an application. However, this will depend on whether or not the lender is willing to accept the rental income as part of the SMSF loan assessment criteria.

In addition, some lenders may allow members or beneficiaries of an SMSF to use their incomes to support a loan application if they provide a personal guarantee. This is commonly used as an alternative when an SMSF trust does not have sufficient income on its own to meet the lender's criteria.

Are There Any Restrictions?

There are restrictions on SMSF loans that prevent some transactions from taking place. For example:

  • Construction loans are not available. The SMSF can pay for renovations out of its own funds but can’t use the borrowed additional funds for this purpose.

  • Buying a property in your SMSF to live in as a home is not allowed, and any breach of this rule can result in financial penalties. It’s also important to bear in mind that there are legal implications for living in an asset owned by your SMSF, such as being liable for capital gains tax when the asset is(owner-occupied business premises are acceptable).

  • The Australian Tax Office (ATO) has made it clear that if a Self-Managed Super Fund (SMSF) is buying a residential property from a related party, such as an individual or trust, this is not allowed. (commercial property is acceptable).

Bare Trust is Mandatory For SMSF Loan

The agreement between the SMSF trustee and the trustee of the bare trust will outline the terms of borrowing, including interest rate, loan repayments, security and any other relevant information. It is important to ensure you understand all the terms before signing as this could have serious implications for you if not adhered to correctly.

It is always recommended that you seek professional advice from a qualified accountant or financial adviser prior to entering into any borrowing agreement. They will be able to provide informative guidance and help ensure that the agreement is compliant with SIS Act regulations.

Furthermore, it is important to keep accurate records of all transactions related to the borrowed funds, in order to satisfy the ATO of your compliance with the relevant regulations.

Ultimately, borrowing money through an SMSF can be a great way to purchase property and other investments but you should always ensure you have a full understanding of all aspects before entering into any agreement. By doing this, you will minimise the risk of financial loss or penalties and ensure that your money is being used in the most efficient way.

Why use an SC Finance Broker?

If you are considering taking out a SMSF loan, it is important to understand that the process can be complex and there are numerous factors to consider. It is highly recommended that you seek professional advice from a mortgage broker experienced in SMSF loans to help you navigate the process. An experienced broker will be able to assess your situation and provide tailored advice to increase the likelihood of your loan application being approved.

It is also important to be aware that in 2018, many lenders pulled out of the SMSF loan market entirely, meaning that traditional banking institutions no longer offer these loans. Instead, you will need to look at non-bank lenders for SMSF finance options.

When comparing lenders, it is important to remember that there are large differences in terms of fees and interest rates between different non-bank lenders. Thus, you should take the time to compare your options thoroughly before deciding on a loan.  With the help of an experienced mortgage broker, however, you can find the best SMSF loan for your situation and make sure that you are able to finance your property investment goals.

Overall, SMSF loans can be a great way to purchase an investment property, but it is important to be aware of the complexities involved in obtaining one. With the help of a specialist mortgage broker, however, you can ensure that you find the right loan for your situation.

Why most banks don't lend to super fund?

At our company, we understand that investing in property can offer great rewards for super fund investors. That’s why we are dedicated to helping you secure the best SMSF loan package available on the market. We have extensive knowledge of the lending landscape and access to discounted residential mortgages from a wide range of lenders. This means we are able to find you the best loan package to suit your individual needs. We understand that SMSF lending can be complex and time consuming but with our help, we make sure you get the most competitive rates available in the market.

We understand that you want to make the most of your super fund investments and that’s why we are here to help. We will provide you with the expert advice and guidance you need to get the best SMSF loan package that meets your individual needs. Our team of highly experienced mortgage brokers are here to answer any questions or queries you may have so don’t hesitate to contact us today!

Our mission is to ensure that all super fund investors receive the best loan package available and obtain maximum returns from their investments. Contact us today to see how we can help you get the most competitive SMSF loan package available.


The amount of loan that you are able to borrow depends on your personal circumstance and the lending policies that vary between different lenders.

Banks/lenders have their own target market. A finance broker expert can assist you in deciding which bank/lender products best suits you.
Most lenders would prefer 20% deposit to complete the purchase.

However, if you could satisfy the lender's mortgage insurance (LMI), then you may be able to borrow as much as 98% LVR including LMI.
Major banks would generally waive the LMI for loans up to 95% LVR for medical practitioners.
At SC Brokers, we have banks/lenders that can waive the LMI for the above professionals for loans up to 90% LVR.
Banks in general would not allow for a second valuation to be done on the property.

SC Brokers have extensive knowledge and experience in providing finance for off-the-plan properties, whether it is an apartment, townhouse or house & land package. We ensure sufficient work is carried out at an early stage for the valuer to know better about the project to provide a better result.
At SC Brokers, we have one of the largest lender panel for you to choose from.

Our multi award-winning team will ensure that your receive the best service possible.
In Australia, most of the building contract has insurance attached to it. For example, in QLD, the QBCC will cover up to $200k for the loss.
If, in the unlikely event the builder has gone into trouble, please contact your finance broker asap to extend the construction period for the loan and send us the new building contract for valuation. Your loan, in general, will not require a re-assessment to confirm the borrowing capacity.
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