SMSF property loans
Loans for self-managed super funds buying residential or commercial property, structured to meet the strict borrowing rules.
A self-managed super fund can borrow to buy property through a limited recourse borrowing arrangement. The rules are strict: the property is held in a separate bare trust, it must be a single asset, and there are limits on how it can be improved or used.
Fewer lenders offer SMSF loans, and their deposit, income and liquidity requirements differ. Ram compares the lenders that do, and works alongside your accountant and financial adviser so the loan, trust and fund structure line up before you sign a contract.
Who this suits
- SMSF trustees buying a residential investment property
- Business owners buying their premises through their super fund
- Trustees refinancing an existing SMSF loan
What Ram helps with
- Comparing lenders that offer limited recourse borrowing arrangements
- Explaining deposit, liquidity and serviceability requirements
- Coordinating with your accountant, adviser and solicitor on the bare trust and documents
- Managing the application through to settlement
Documents to have ready
You don't need everything for the first chat, but having these handy speeds things up.
- SMSF trust deed
- Latest fund financial statements and tax return
- Fund bank statements
- Members' income documents
- Contract of sale
Questions about smsf loans
No. Whether to set up an SMSF, or use your super to buy property, is financial product advice that must come from a licensed financial adviser. We help once that decision is made, by arranging the loan.
Most lenders look for a larger deposit than for a standard investment loan, and many also require the fund to keep a cash buffer after settlement. Requirements vary, so we compare them for your fund.
No. A residential property held by an SMSF can't be lived in or rented by fund members or their relatives. Commercial property can be leased to a related business at market rent, subject to the rules.
Guides on smsf loans
Talk it through with Ram
A free, no-obligation conversation about where you are now and what you're planning. No credit check, no pressure.