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SMSF Home Loans
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Use your super to buy a house or investment property — with compliant, strategic lending support.
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Thinking about SMSF property? A Self-Managed Super Fund (SMSF) can borrow to purchase residential or commercial property, but the rules are very different from standard home loans. With the right structure, SMSF loans can help grow long-term wealth and create tax-effective retirement income. At My Finance Consultants, we coordinate your SMSF home loan, compare lenders, and work alongside your accountant and financial adviser to keep everything compliant and simple.
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What is an SMSF? (SMSF Meaning)
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SMSF meaning: a Self-Managed Super Fund is a superannuation trust you manage yourself for the sole purpose of providing retirement benefits to its members. The fund can invest in various assets, including property, and (with the correct structure) can use a limited recourse borrowing arrangement (LRBA) to buy property.
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What you can buy using your super (via SMSF)
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Residential investment property
• Established property held purely for investment (no member or relative can live there).
• New builds can be considered if the contract structure meets lending and super rules.
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Commercial property
• Often used by business owners to purchase their own premises, then lease it to the trading entity at market rent.
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Multiple properties over time
• With growth and contributions, your SMSF may acquire additional properties in line with the fund’s investment strategy.
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How SMSF property loans work
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Limited Recourse Borrowing Arrangement (LRBA)
• The loan is limited recourse: the lender’s security is the property itself, helping protect other SMSF assets.
• A separate holding (bare) trust holds legal title during the loan term.
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Repayments and cash flow
• Loan repayments typically come from employer/member contributions and rental income.
• We model buffers for vacancies, interest rate changes, and contribution caps.
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Typical lending settings
• Maximum LVR commonly 60%–80% (varies by lender, property type and contributions).
• Rates and fees differ from standard home loans; we compare total cost, not just the headline rate.
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Why choose My Finance Consultants for SMSF loans?
• Strategy first: we align loan structure with your fund’s investment strategy.
• Access to bank and non-bank SMSF loan options (policy, pricing and turnaround compared).
• Clear documentation checklist and lender-ready packaging.
• Coordination with your accountant/financial adviser and solicitor for smooth compliance.
• Ongoing reviews to keep your loan competitive and your strategy on track.
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Key rules and considerations (read before you buy)
• Sole purpose test: all decisions must benefit members’ retirement outcomes.
• No personal use: members/relatives cannot live in or holiday in residential SMSF property.
• Renovations: major improvements generally cannot be funded with borrowed money; maintenance/repairs are fine.
• Liquidity & contributions: ensure the fund can meet repayments, costs, and minimum pension/benefit rules when applicable.
• Related-party transactions: commercial arrangements must be on arm’s-length terms with market evidence.
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What you’ll need to apply
• An established SMSF (or plans to set one up with your adviser).
• SMSF Investment Strategy supporting the property purchase.
• Current super balance (many lenders like to see ~$150k+ combined as a general viability guide).
• Evidence of contributions and projected rental income.
• Bare trust/holding trust details (we coordinate timing with your solicitor).
• Contract of sale (if you’ve identified a property).
We’ll give you a tailored checklist based on the chosen lender.
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Our process
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Step 1 — Strategy & numbers
We confirm objectives, contribution capacity, and target price range, then model cash flow and buffers.
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Step 2 — Lender shortlist
We compare SMSF home loan options (rates, fees, LVR, documentation, turnaround) and present clear scenarios.
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Step 3 — Structure & documentation
We coordinate bare trust setup and work with your accountant/financial adviser so documents align with super law and lender policy.
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Step 4 — Approval, settlement & beyond
We manage valuation, approval, settlement timing and track reviews post-settlement to keep your fund’s lending competitive.
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Frequently Asked Questions
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Can I live in an SMSF property?
No. Residential purchases must be strictly investment-only. For commercial property, your business can lease the premises from the SMSF at market rent.
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What deposit do I need?
Because LVRs are usually 60%–80%, funds often need a larger deposit plus costs and liquidity. We’ll model this upfront.
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Are SMSF loan rates higher?
Often slightly higher than standard mortgages, but we compare lenders so your total cost (rate + fees) is competitive.
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Can I use my super to buy a house for personal use?
No. You can use super to buy a house only as an SMSF investment asset (no related-party personal use). You cannot live in it or rent it to related parties (residential).
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Can we renovate the property?
Repairs and maintenance are fine. Major improvements generally cannot be funded by the SMSF loan; there are specific rules we’ll explain with your adviser.
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Do I need professional advice?
Yes. You should obtain independent financial advice and tax/legal advice. We coordinate with your adviser to ensure compliance.
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Tools to plan your numbers
• Borrowing Power Calculator
• Mortgage Repayment Calculator
• Property Buying Power Calculator
• Stamp Duty Calculator
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Ready to explore SMSF property?
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We’ll help you understand the rules, compare SMSF loans, and structure your SMSF home loan correctly — so you can use your super to buy a house (investment property) with clarity and confidence.
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Important information (please read)
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This information is general in nature and does not take into account your objectives, financial situation or needs. SMSF lending involves superannuation, tax and legal considerations. You should seek licensed financial advice and legal/tax advice before proceeding. Lending criteria, LVR limits and policies vary by lender and may change without notice. Figures are estimates only. We work with your professional advisers to help ensure compliance.