SMSF Loans
Credit assistance to arrange finance for an eligible SMSF property purchase.
We can arrange the lending structure and manage the lender application and loan documentation for an eligible SMSF property purchase, typically under a limited recourse borrowing arrangement.
To be clear about scope: we do not advise on whether to establish an SMSF, whether to borrow within one, or which investment to choose. Those strategy and suitability decisions sit with your licensed financial adviser and your accountant. We work alongside them on the finance.
What this typically includes
Limited recourse borrowing arrangement
Residential or commercial property options
Fixed or variable rate
Arranged alongside your adviser and accountant
FAQ
SMSF Loans questions
What can you help with on an SMSF loan?
We can provide credit assistance to arrange finance for an eligible SMSF property purchase and manage the lender application and loan documentation. We do not advise whether to establish an SMSF, borrow within one or choose an investment. Those strategy and suitability decisions belong with your licensed financial adviser and accountant.
Do you give SMSF or investment advice?
No. We provide credit assistance only — arranging and structuring the finance. Whether an SMSF is appropriate for you, and what it should invest in, are decisions for your licensed financial adviser and accountant.
What is a limited recourse borrowing arrangement?
It is the structure most SMSF property lending uses. The lender’s recourse is limited to the property being purchased, so the fund’s other assets are not exposed if the loan defaults. The arrangement has specific legal and structural requirements, which your adviser and accountant put in place.
What deposit does an SMSF purchase need?
SMSF lending is generally more conservative than standard home lending, and lenders also look at the fund’s liquidity after settlement rather than the deposit alone. Requirements vary by lender and by whether the property is residential or commercial.
Can the fund buy premises my business operates from?
Commercial property used by a related business is a recognised arrangement, but it carries specific rules the fund must satisfy. Whether it suits your fund is a question for your licensed adviser and accountant — we arrange the finance once that decision is made.
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Calls run 7 days, 9:00am–11:00pm Sydney time.