SMSF Loans
Using your Self-Managed Super Fund (SMSF) to purchase property is a powerful way to grow retirement wealth and we’ll guide you every step of the way.
Looking to grow your retirement wealth through property? An SMSF loan allows you to purchase residential or commercial property through your Self-Managed Super Fund — offering a powerful way to diversify your portfolio and take control of your financial future. If you are considering this path, it is essential to have the right lending partner on your side.
We help professionals, families, and business owners across Sydney secure tailored SMSF loan solutions that align with their fund’s goals, obligations, and investment strategy.
An SMSF loan (also called a limited recourse borrowing arrangement or LRBA) allows your super fund to borrow money to purchase an investment property. The property is held in a separate trust and the lender’s recourse is limited to that property alone meaning your other SMSF assets are protected if something goes wrong.
Who Are SMSF Loans For?
Key Benefits of an SMSF Loan
SMSF lending is highly regulated, and not all lenders offer these products. You will need to meet strict compliance and structuring rules. That is where we come in guiding you through the entire process and working with your financial planner or accountant to make sure everything is aligned.
We will help you with:
Residential vs Commercial SMSF Property
SMSFs can invest in:
Residential property (for investment only – you or family members cannot live in it)
Commercial property (often used by business owners to purchase their own premises and lease it back to their business)
We will help you understand which path suits your SMSF’s strategy and future retirement plans.
No. Residential property owned by your SMSF must be for investment purposes only. You or related parties cannot live in it.
Typically, SMSFs can borrow up to 70–80% of a property's value, depending on the lender and the type of property. You’ll also need a healthy balance in your fund and a compliant SMSF setup.
Yes. interest rates and fees are usually higher, and the lending process is more complex. However, the long-term benefits can outweigh the costs if set up properly.
Lenders typically require a compliant SMSF trust deed, sufficient SMSF balance, stable contributions, and a solid investment strategy. Each lender has its own lending criteria, including minimum fund balances and deposit requirements.
SMSFs can purchase residential or commercial investment properties, as long as the property meets superannuation investment rules. Commercial property can be leased to a related party if it’s at market rates and complies with regulations.
SMSF property investment is not for everyone — but with the right advice, it can be a powerful tool for building long-term wealth. We are here to help you navigate the complexity with confidence.
Prince Capital Solutions Pty Ltd ABN: 24 147 935 055 is an Australian Credit License #426244
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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