Unlock your super fund's property investment potential with expert guidance through complex SMSF lending structures and compliance requirements.
Self-managed super funds offer powerful tax advantages for property investment. Rental income is taxed at just 15% in accumulation phase (0% in pension phase), and capital gains receive significant concessions — 10% tax after 12 months, or completely tax-free in pension phase.
With proper structure and compliance, your SMSF can borrow to acquire residential, commercial, or industrial property, accelerating your retirement wealth while maintaining control over your investment strategy.
Flexible SMSF lending across multiple asset classes
Houses, units, townhouses for long-term capital growth and rental income. Up to 80% LVR available.
Offices, retail, warehouses. Perfect for leasing back to your business with tax-effective structures.
Factories, workshops, storage facilities with stable industrial tenant covenants.
Medical centres, childcare facilities, service stations with established income streams.
Navigate the process with expert guidance
We review your SMSF's current position, investment strategy, and borrowing capacity to determine loan feasibility and optimal structure.
Establish the required bare trust structure and ensure your SMSF trust deed permits borrowing arrangements under Section 67A.
Match your scenario to appropriate lenders from our panel of 60+ who offer SMSF products, optimising terms and approval probability.
Submit comprehensive application with SMSF financials, property details, and compliance documentation. Manage through to formal approval.
Coordinate settlement with trustees, legal advisors, and lenders. Ensure continued compliance with SIS regulations and loan covenants.
Typical SMSF loan structures and requirements
What you'll need for SMSF property borrowing
The specialist expertise your super deserves
12+ years in commercial banking across NAB, ANZ, Westpac, and CBA. We understand SMSF assessment from the inside.
Deep understanding of SIS regulations, ATO requirements, and prohibited transaction rules to keep your structure compliant.
Access diverse SMSF lending products through Connective aggregation, finding optimal terms for your scenario.
Experience with deals up to $100M. We handle sophisticated SMSF structures other brokers cannot manage.
Answers to frequently asked questions
