SMSF Home Loans
Buying property in your Self Managed Super Fund with an SMSF home loan can be a great way to leverage off your super balance to access growth on an asset much greater in value than the balance of the fund itself. While the yield from a residential property is often considered lower than that of other investment options (i.e., shares), an SMSF Property Loan can unlock access to growth and returns against a property up to 5 times the value of their initial investment (deposit). Since SMSF lending is assessed in isolation to the owner’s personal financial position, an SMSF can offer a great solution to borrowers who may be ‘tapped out’ for lending and repayments in their personal names, but still want to borrow money and grow their property investment portfolio.
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Our SMSF Home Loan Promise
SMSF Property Loans can often sound rather complex for new players, however they are generally simpler than they sound. Once you gain a good understanding of the ownership and lending structure, the rest is quite basic, and since SMSF Property Loans fall outside of the NCCP (National Consumer Credi Protection act), they’re generally quite simple to get approved. Despite the benefits of SMSFs, and the simplicity of the approval process for SMSF Property Loans, most brokers don’t know a lot about them. Our team of SMSF specialists is here to guide you through the tricky stuff and to keep the process simple.
Sunshine Coast Brokers That Care About Your Financial Success
Plenty of Sunshine Coast locals are quite active with their property wealth creation initiatives, but most investors tend to stick to one or maybe 2 investment properties at a time and tend to hold these properties in their personal names only. Maybe this is because they haven’t considered another way? Maybe it’s because they haven’t got the right team of professionals in finance, planning, and accounting to help them structure their lending and investments, to reduce Tax, and to maximise borrowing capacity for future property purchases. It’s important to us that you have the right professionals in your corner to help see into the future and recommend future-proof ownership and lending structures today. Don’t worry, if you’re not sure where to start, we’ll step you through it all and put you in touch with the right professionals to make sure you get it right and to continue working with you as your financial needs evolve.
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How Our SMSF Brokers Help
The Mortgage Broking Process for Invoice Finance
Getting a home loan isn’t always a walk in the park—it can be a bit of a process, but if you team up with one of our mortgage brokers, we’ll have your back every step of the way, making sure you’re on the right track from the get-go.
- Speak with an SMSF specialist mortgage broker: Before you engage in negotiations to purchase a property under SMSF, it’s important to speak with an SMSF specialist mortgage broker to make sure you have correct entities and super structures in place, and to conduct a preliminary assessment on your expected lending. We’ll also want to ensure that you don’t outlay any cost associated with setting up these SMSF structures if lending appetite doesn’t align with your property goals.
- Set up your SMSF (If you haven’t already): If you haven’t set up an SMSF already, you’ll need to work with your financial planner and accountant to get this in place. A typical SMSF property structure usually consists of a ‘Bare Trust’ with a ‘Corporate Trustee’ at least one director, and, of course, the Super Fund itself. You’ll need to seek advice from a Financial Planner to make sure the structure aligns with the financial plans and position of all associated persons, and your accountant will be able to set it all up.
- Find a property and sign a contract: Once you’ve agreed on your price, terms, and conditions, it’s time to put pen to paper. Make sure you check in with your accountant, planner and mortgage broker before you sign, to ensure that you purchase under the right entity and that all associated persons are signatories to your purchase. Your Mortgage Broker will also check that the property meets acceptable security guidelines among the lenders who offer SMSF lending.
- Seek Unconditional approval: Once you’ve locked in a property, it’s time to apply for unconditional approval. Your mortgage broker will make a recommendation on the most suitable lender based on your purchase price, the security type and location, interest rates and fees, loan size, and other requirements like post settlement liquidity.
- Settlement: Once your loan contracts have been signed, we’ll liaise you’re your solicitor and the lender to make sure all parties are ready to complete the transaction on your contracted settlement date.
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SMSF Home Loans Support
- Most finance brokers have access to lenders who offer SMSF loans and will dabble with the odd Super transaction from time to time, but it’s generally a lack of experience in this space that gives SMSF lending its reputation for complexity and difficulty. SMSF lending is actually quite simple, providing you know what you’re doing. Our team of SMSF finance specialists do this every day and are here to guide you through the process and make sure you get it right.
- We’ll work with your Accountant, Financial Planner, and Conveyancer to make sure you have the right SMSF structure and that it aligns with the purchase contract and loan documentation perfectly. Don’t worry, if you haven’t engaged with one of these professional services, we’ll put you in touch with someone who also specialises in SMSF.
- Since many banks have pulled out of the SMSF space, the options for direct finance are very limited. Fortunately, there are plenty of non-bank lenders now days who specialise in SMSF, but many are only available thought the mortgage broking channel. We’ve got the Majors and the Non-bank lenders covered, and we’ll make sure your loan goes to the right financial institution to get the deal done at the lowest possible rate.
- Your wealth creation strategy in SMSF often needs to be quite different from the strategy you adopt outside of Super. Limitations accessing the equity you have in properties held in your super, ongoing SMSF management costs, lending guidelines, and Tax, for example, can affect the duration you hold on to a property, which property you buy, and how much you wish to contribute as a deposit.
- Whether this is your first Rodeo in the SMSF world or you’re a seasoned veteran, we’ll take the time to make sure you understand your SMSF and that you’re equipped with the knowledge you need to manage your investments and make educated decisions on your financial future. SMSF is not a ’Set and forget’ solution to wealth creation and we’ll be right here with you, now, and long into the future.
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How Can SMSF Loans Help Your Financial Growth?
For most people, Superannuation is something that their employers will contribute to for their working life, until such time that they are able to retire and access their funds. In the meantime, their Superannuation Fund will invest their capital across a wide range of Shares, Bonds, Property, Currency, and other investments, depending on the risk profile you’ve opted for in your Fund. Generally, you have limited control over where your funds are invested, and the fund will manage it for you. An SMSF, on the other hand, allows you to have full control over where your funds are invested, which gives you the ability to jump on opportunities as they arise. Buying property under your SMSF allows you to leverage off the capital in your fund to invest in an asset worth much more than the balance of the fund itself. For example, yield and growth at 5% of a $600,000 property is a lot more than 10% yield and growth on just a $200,000 deposit that you might otherwise invest without leverage from the banks.
Why Work With A Broker When Securing SMSF Home Loans?
Many major banks have removed their SMSF offering from the market to focus on other lines of business. Fortunately, there are plenty of Non-bank lenders that focus entirely on this market and deliver their products through mortgage brokers. As an SMSF specialist mortgage brokerage, we’ve made sure that we are accredited with a wide range of SMSF lending sources, so that our clients have access to the best lending products possible.
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Real Customer Reviews
Instead of talking our home loan finance brokerage up, please read our customer reviews. This is a direct feed from our public Google Business Reviews, so you know they’re 100% genuine.
Matt Fairbrother
6/12/2024
Another deal made easy Brett and Alicia. They are so quick to respond and move the deal along. We couldn’t be happier with them. Thanks again!
Eyvette Owens
24/1/2025
I cannot express adequately enough in words how grateful I am for being introduced to the amazing team at Loanright!!! Norrie Wirihana and Sam Lawson came to my rescue when my financial provider of 28 years left me stranded. In a matter of days this amazing duo negotiated a great loan deal for me with another institution that ensured I could enjoy a happier and more affordable future and leave my financial struggles behind. Nothing has been too much trouble for this exceptional team of humans and I can not recommend them enough to anyone seeking a brighter financial future. Thank you so much Norrie and Sammy for giving me my life back!! Forever grateful!!!
Reuben Park
6/12/2024
First class team – down to earth and professional.
Thea Hambuechen
12/4/2024
It has been a pleasure dealing with Luke and his team. During the process Alicia and Shayna have been very informative and kept in contact regularly to make sure we knew what was happening every step of the way! We will definitely be using Loanright in the future and highly recommend. Thank you again for helping us purchase our first home.
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28/4/2025
Paul Brownsdon
6/12/2024
Our recent experience with Luke and the team was fantastic. Right from the start the communication and customer service was absolutely perfect. We’ll use loanright again, and would recommend them to anyone looking for finance.
Kimberley Priest
12/4/2024
Have had the best experience working with these guys to purchase our investment property. Great application system, so quick and easy, and all questions answered promptly along the way. Highly recommend!
Daniel O’Dea
12/4/2024
Brett and Alicia came highly recommended from a work colleague. I had previously gone through a pre approval process with another broker (which will remain unnamed). The difference was night and day. Being a first home buyer I had no idea what I was doing. Both Brett and Alicia were so accomodating and answered all my silly questions and walked me through EVERYTHING step by step. We had my pre approval through in about a quarter of the time of the last brokers!! Once I found the home I wanted to buy it was literally the easiest thing in the world. They will be getting all my business.
Jack Jarvis
6/12/2024
Absolutely thrilled with the experience I had with Shayna and Sam!! Front start to finish, they were incredibly nice, making the entire process not only smooth but genuinely enjoyable. They were exceptionally accommodating, always willing to answer my questions and adjust things as needed to fit my schedule. What really stood was how they made the whole experience fun, something I never thought I would say about securing a loan! Their professionalism was top notch, but their approachable and personable demeanour made all the difference. Highly recommend them to anyone looking for a top-tier loan broker who makes the process seamless and enjoyable!!!!!
Amy Honeywill
6/12/2024
We have had the privilege, not once but twice of gaining the help from Brett and Alicia. They are nothing short of incredible with their fast responses, a wealth of knowledge and the emotional support we needed! Thank you both from the bottom of our hearts – our family appreciates the work and constant moving mountains x
Wade Bubner
6/12/2024
Amazing team. Shayna and Deb were both very patient as we worked through a few things but in the end worked with us and found us the best option that suited our situation. I highly recommend the team at Loanright.
Daniel Tew
6/12/2024
Brett was recommended to us for our business loans and now 2 1/2 years later he has helped us buy our home. They where always available for any questions (even the silly ones) and returned phone calls and emails promptly. They made buying a house so easy and everything ran smoothly and on time. Both Brett and Alicia are very knowledgeable and efficient in what they do. I would highly recommend Brett and Alicia for any of your loan needs.
FAQ’s About SMSF Home Loans
How does an SMSF work?
As the name suggests, a Self-Managed Super fund is just that. Instead of relying on a professional fund manager to control your risk and return, you manage your investments as you see fit. Typically, you’ll need to create a Trust and assign a trustee, which could either be an individual or a corporate trustee with one or more directors. If you intend to buy property in your SMSF you’ll also need to set up a Bare Trust (This becomes the owner of the property until the loan is paid out) and assign a Corporate or Personal Trustee. Your employer can contribute to your SMSF and you can also make voluntary contributions.
How much does it cost to set up an SMSF?
Your set-up costs will depend on the complexity of your SMSF structure. The more parties and entities involved, the more it will cost to set up. Your accountant should be able to give you a good idea of what to expect based on your own needs and situation. You’ll also need to consider ongoing accounting and auditing costs and these should be factored in when considering if SMSF is the right strategy for you.
Can build under my SMSF?
Typically, you cannot build under an SMSF, however you can buy a new home ‘Off the plan’ that is to be built by someone else, and in many cases, you can invest in renovations to an existing property already owned under your SMSF.
Can I pay my loan off early?
Yes. Loan terms under SMSF are typically structured as P&I over 30 years. You can make additional contributions to reduce the interest on your loan and you can pay the loan out early with no exit costs. Be mindful though that if you intend to make lump sum deposits to reduce your loan balance, you may not be able to re-draw these as can typically be done under a standard home loan in your own name.
How much do I need in my Super to buy a property?
This depends largely on the value of the property you intend to buy, as well as the LVR and post-settlement liquidity requirements for the lender you use. However, consider that your setup costs and ongoing audit and accounting costs will need to be factored into your long-term strategy. In many cases, expected returns on properties at the lower end of the entry level market might not justify the upfront and ongoing costs. We can give you some guidance in this space, but this is something you’ll need to workshop with your Accountant and/or Financial Planner.
Can I sue equity held in an existing SMSF property to buy another one?
No. Typically, the only way to access equity held in an existing property owned by your SMSF is to sell the property, pay out the associated loan, and re-invest with the proceeds of sale.
What exactly is an SMSF home loan?
An SMSF home loan is an Australian mortgage that leverages your self-managed super fund (SMSF). You borrow against the fund you have to invest in Australian residential or commercial property.
How does an SMSF work?
As the name suggests, a Self-Managed Super fund is just that. Instead of relying on a Professional Fund manager to control your risk and return, you manage your investments as you see fit. Typically, you’ll need to create a Trust and assign a Trustee, which could either be an individual or a corporate trustee with one or more directors. If you intend to buy property in your SMSF you’ll also need to set up a Bare Trust (This becomes the owner of the property until the loan is paid out) and assign a Corporate or Personal Trustee. Your employer can contribute to your SMSF and you can also make voluntary contributions.
How much does it cost to set up an SMSF?
Your set-up costs will depend on the complexity of your SMSF structure. The more parties and entities involved, the more it will cost to set up. Your accountant should be able to give you a good idea of what to expect based on your own needs and situation. You’ll also need to consider ongoing accounting and auditing costs and these should be factored in when considering if SMSF is the right strategy for you.
Can build under my SMSF?
Typically, you cannot build under an SMSF, however you can buy a new home ‘Off the plan’ that is to be built by someone else, and in many cases, you can invest in renovations to an existing property already owned under your SMSF.
Can I pay my loan off early?
Yes. Loan terms under SMSF are typically structured as P&I over 30 years. You can make additional contributions to reduce the interest on your loan and you can pay the loan out early with no exit costs. Be mindful though that if you intend to make lump sum deposits to reduce your loan balance, you may not be able to re-draw these as can typically be done under a standard home loan in your own name.
How much do I need in my Super to buy a property?
This depends largely on the value of the property you intend to buy, as well as the LVR and post-settlement liquidity requirements for the lender you use. However, consider that your setup costs and ongoing audit and accounting costs will need to be factored into your long-term strategy. In many cases, expected returns on properties at the lower end of the entry level market might not justify the upfront and ongoing costs. We can give you some guidance in this space, but this is something you’ll need to workshop with your accountant and/or Financial Planner.
Can I sue equity held in an existing SMSF property to buy another one?
No. Typically, the only way to access equity held in an existing property owned by your SMSF is to sell the property, pay out the associated loan, and re-invest with the proceeds of sale.
Get In Touch With A Broker Near You
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