Buying property in your SMSF?Your super may stretch further than your bank thinks.
The big banks have largely stepped back from SMSF lending. Specialist lenders haven’t — and their policies on contributions, fund cash balances and lease income can lift what your fund can borrow. Our SMSF team structures residential and commercial purchases and works alongside your accountant.
About 2 minutes · No documents to upload · No credit check for this enquiry
Thanks — we’re on it.
An SMSF lending specialist will call you within one business day to talk through your fund and your options.
Prefer to talk now? 1800 417 740
Put your super to work in property
Whether it’s an investment home or premises for your own business, the lender — and the structure — matters.
SMSF residential purchase
Buy a house, unit or townhouse as an investment for your fund — with rent flowing back into your super.
- Up to 90% LVR on loans up to $1m*
- Variable and fixed rate options
- Additional super contributions can count toward servicing
- Cash held in the fund can lift borrowing power with selected lenders
SMSF commercial purchase
Buy an office, warehouse, shop or medical suite — including the premises your own business operates from.
- Up to 80% LVR*
- Lease to your own business at market rent
- Loans up to $5m in metro locations*
- Lease income supports the fund’s servicing
*Subject to lender credit criteria, property location, security type and loan size. Maximum LVRs and loan limits vary between lenders.
How we help your fund borrow more
SMSF serviceability isn’t one-size-fits-all. Knowing which lender accepts what is where the extra borrowing power comes from.
Count future contributions
Some lenders accept additional voluntary super contributions — supported by your accountant — when assessing what the fund can repay.
Use your fund’s cash balance
Selected lenders add back the benefit of cash held in the fund’s account, lifting the loan amount.
Simplify for business owners
Own less than 25% of a company? Servicing may be assessed on your PAYG income alone — no company financials needed.
Refinance on fund strength
Benefit-to-client and rent-cover refinance options focus on the fund’s position, not just members’ income.
SMSF client stories
Contributions and fund cash used to reach the target price
Additional contributions backed by an accountant’s letter, plus an offset add-back on a $440k fund balance, lifted borrowing power.
Read the story →
Single PAYG earner boosts borrowing power
An additional-contribution policy of 10% of gross income on top of mandatory super got the purchase over the line.
Read the story →
Approved fast — despite a loss-making start-up
With under 25% ownership, servicing used PAYG income and super contributions only. No company financials required.
Read the story →Your SMSF purchase in three steps
Tell us about your fund
A 2-minute enquiry covering your goal, fund balance and timing. An SMSF specialist calls you back — usually within one business day.
We model your borrowing
We compare specialist SMSF lenders, apply the policies that suit your fund, and coordinate with your accountant on contributions.
Pre-approval to settlement
We manage the application and keep your accountant, solicitor and lender moving — through to settlement.
- Latest SMSF statement or balance
- Members’ income & super contributions
- Property type & price range
- Your accountant’s details
Good advice makes a difference
Her knowledge on borrowing in structures is exemplary.
Jason goes beyond just securing a loan — he truly understands how to structure lending to support long-term goals. Highly recommend.
Teng took the time to understand my financial situation and tailored options that suited my needs.
She made sure I understood the process as well as any risks I might not have thought about.
Xin mortgage reviewed our application and evidence with professionalism and they acted quickly…
He was very patient in answering questions and never made the process feel rushed.
SMSF property questions, answered
Can my SMSF borrow to buy property?
What’s the difference between residential and commercial SMSF property?
How much do I need in my super?
Can the loan be used to renovate or develop the property?
Does my SMSF need to be set up first?
Will this enquiry affect my credit score?
Is this financial advice?
Let’s see what your fund can borrow.
Two minutes, no documents, no credit check.