SMSF Loan Service

With so much information on loans in the market place to process where do you start? We can help reduce the stress of finding the right one for you, free of charge.

Not all SMSF loans are created equally. How do you know whether you’re getting the best one for you? Our specialists can do the running around for you. We make finding a loan quick, easy and hassle-free.

Simply complete our online enquiry form and within 24 hours you will automatically be assigned a professional lending consultant in your area, who will personally respond to your enquiry. Our consultant can meet with you at your home or office at a time that suits you – evenings and weekends included.

This is a free service – unlike some other mortgage brokers, we won’t charge you for our services. Our only payment is the commission we receive from the contracted lending institution, so we make sure we get the best loan for you.

Diagram of a Loan structure for purchasing property using your SMSF

Some important facts about SMSF Lending:

  1. The SMSF must purchase property from an unrelated party. Purchases must be arms-length.
  2. Investment in property must be consistent with your SMSF investment strategy.
  3. In the event of a loan default the lender only has recourse to the security property and cannot claim any other SMSF assets.
  4. The property is held in trust for the SMSF, which is entitled to its income.
  5. Your SMSF makes the loan repayments. After the loan is repaid the legal ownership of the property is transferred to the SMSF.
  6. Choose any kind of property including residential, commercial or retail property.
  7. The legal owner of the real estate will be the Property Trustee.
  8. The beneficial owner of the real estate will be the SMSF.
  9. The lender has no recourse to the other assets of the SMSF, providing the SMSF with absolute protection for its other assets.
  10. The loans are personally guaranteed by the member/s of the SMSF.
  11. SMSF’s can deal with the property however and whenever they like, in the same way as investors can deal with “normal” investment properties, such as lease, renovate, repair, or sell, (subject to the terms of the relevant loan and mortgage).
  12. All rents are paid direct to the SMSF. Loan repayments are made in the ordinary way from the SMSF.
  13. The SMSF can pay out or reduce the mortgage at any time (subject to the terms of the relevant loan).
  14. When the mortgage is paid out in full, title to the property can be transferred to the SMSF or the Property.
  15. The Trustee can continue as registered proprietor.

General Advice Warning: Nothing on this page constitutes financial advice. Nor is it a specific recommendation. Your personal situation has not been taken into account and you must seek your own legal, financial and taxation advice in determining what loan structures are best for your unique circumstances and goals.

  • An average of 2,500 SMSF’s are established every month
  • There are in excess of $347 billion in assets in SMSF’s of the total $1.2 trillion within the superannuation industry
  • The average balance of an SMSF is $805,000
  • There are currently over 715,000 members of SMSF’s
  • The major asset classes invested in within an SMSF are listed shares and equities (36%), cash, term deposits and debt securities (19%), public trusts (11%), real property (10%)
  • The 55-64 year age bracket contribute one third of the total members followed by the 45-54 year age bracket at 26%
  • NSW has 34% of the funds followed by Victoria with 29%, Queensland 18%
  • There are currently in excess of 394,000 SMSF’s in existence in Australia

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