SMSF
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What Is SMSF Property Lending?
A Self-Managed Super Fund (SMSF) allows you to take control of your superannuation investments. Since 2007, SMSFs have been permitted to borrow under strict rules to purchase property through a Limited Recourse Borrowing Arrangement (LRBA).
This means your SMSF can borrow to acquire a single asset — usually property — while limiting the lender’s security to that asset only.
SMSF property lending can be used to purchase:
* Residential investment property
* Commercial property (including business premises)
* Offices, warehouses, and industrial property
Why Australians Choose SMSFs
SMSFs now represent the largest segment of Australia’s superannuation system, giving Australians greater control over how their retirement savings are invested.
For many investors, the appeal lies in control, flexibility, and transparency.
Using SMSF to Buy Property
One of the most common SMSF strategies is using super to purchase property.
Depending on your circumstances, your SMSF may:
* Buy a residential investment property
* Buy a commercial property and lease it to your business
* Hold property long-term for rental income and capital growth
For business owners, this can be particularly powerful — allowing your business to pay rent into your super fund instead of to an external landlord.
Why Consider SMSF Property Investment?
Many clients come to Finhomes because they want:
* More control over their retirement savings
* Reduced reliance on the share market
* A tangible, long-term asset within super
* A clearer investment strategy aligned with retirement goals
Property can provide rental income, capital growth, and long-term stability when structured correctly within an SMSF.
Is SMSF Lending Right for You?
SMSF lending is not suitable for everyone. It involves:
* Strict compliance requirements
* Higher deposit requirements
* Limited lender options
* Additional setup and ongoing costs
That’s why careful planning and professional guidance are essential.
At Finhomes, we work alongside your accountant, financial adviser, and solicitor to ensure the SMSF lending strategy is structured correctly and aligns with your overall financial objectives.
Key Benefits of an SMSF
SMSF lending can be a powerful strategy when done correctly.
If you’re considering using your super to invest in property, contact Finhomes today to discuss your options and understand whether SMSF lending is right for you.
- Greater control over investment decisions
- Flexibility to invest in direct property
- Potentially lower ongoing fees
- Ability to tailor investments to your risk profile
- Greater visibility over performance
Yes. An SMSF can borrow to purchase property under a Limited Recourse Borrowing Arrangement (LRBA), provided strict lending and superannuation rules are met. The loan must be structured correctly, and the property must meet SMSF investment requirements.
An SMSF can generally purchase residential investment property or commercial property, including offices, warehouses, and business premises. Residential property must be used solely for investment purposes, while commercial property may be leased to a related business at market rates.
SMSF property loans usually require a larger deposit than standard home loans, as Lenders Mortgage Insurance (LMI) is generally not available for SMSF lending.
Depending on the lender and property type, deposits typically range from 20% to 40% plus costs, with higher deposits more common for commercial properties. We’ll assess your situation and identify lenders best suited to your SMSF.
Not always. SMSF lending involves higher costs, stricter compliance, and long-term commitments. It’s important to assess your retirement goals, risk profile, and cash flow before proceeding. Finhomes works with your accountant and advisers to help determine whether SMSF lending is suitable for you.
We build trust with our customers by combining creativity with tailored loan solutions.
Contact Info
- Mon - Frd : 8:00 -16:00
- hello@finhomes.com.au
- 0451 860 254
Office Address
Servicing in South West Brisbane and Surroundings 1 Main St, Springfield Central QLD 4300