SMSF Property Loans
Use your super to invest smarter – with a broker who understands property, strategy, and compliance.
Whether you’re buying residential or commercial property through your self-managed super fund (SMSF), we’ll structure the loan for long-term growth, not just short-term approval.
Why More Australians Are Using Their SMSF to Buy Property
Using your SMSF to invest in property can be one of the most powerful ways to grow your retirement wealth – if it’s done right.
With the right structure, your SMSF can purchase residential or commercial property, receive rental income at a reduced tax rate, and benefit from long-term capital growth – all while preserving control of your investment strategy. But SMSF lending is not like a regular home loan. It comes with strict regulations, specific lender policies, and compliance obligations you can’t afford to get wrong.
At XploreFS, we help you cut through the confusion and unlock the full potential of your SMSF – with clear advice, smart loan structuring, and lender partnerships that understand your vision.
SMSF Lending Requires Precision - We Know the Landscape
SMSF lending is a specialised area of finance, with its own set of rules, responsibilities, and structural considerations. At XploreFS, we’ve built a strong understanding of what it takes to get these deals approved while staying fully compliant.
With a background in both finance and property development, James brings a rare blend of practical insight and technical know-how to every SMSF application. We don’t just look at interest rates — we look at the big picture: ATO regulations, trust deed requirements, lending policy, and long-term viability.
Whether you’re setting up a limited recourse borrowing arrangement (LRBA) or navigating the documentation required by your SMSF trustee structure, we’ll guide you every step of the way — with clarity, confidence, and care.
Residential or Commercial - We've Got You Covered
Whether you’re investing in a residential property for your fund or purchasing a commercial space for your own business, we’ll help you structure the right SMSF property loan – and match it to a lender who understands your objectives.
With access to over 45 lenders, including SMSF-specialist banks and non-bank lenders, we can help you:
Secure funding for residential or commercial property through your SMSF
Navigate limited recourse borrowing arrangements (LRBAs)
Understand deposit and servicing requirements (often 20–30% deposit)
Stay compliant while maximising long-term performance
We’ll also guide you on what properties are SMSF-eligible, how rent must be handled, and how to plan for potential refinancing or future purchases within your fund.
Long-Term Lending for Long-Term Wealth
Buying through your SMSF isn’t a short-term move — it’s a long-term wealth-building strategy. And that means you need a broker who’s committed to the entire journey.
At XploreFS, we don’t disappear after settlement. We stay on board to review your portfolio, identify refinancing opportunities, and make sure your loan continues to support your financial goals. We understand that superannuation lending isn’t just about getting the funds — it’s about building future security, one smart property at a time.
Frequently Asked Questions About SMSF Property Loans
Can I live in a property purchased through my SMSF?
No. Properties purchased through an SMSF must be for investment purposes only – you or your family members can’t live in them or use them personally. The ATO is strict on this, and non-compliance can lead to penalties.
How much deposit does my SMSF need for a loan?
Most lenders require at least a 20–30% deposit for SMSF loans, plus enough liquid assets in your fund to meet serviceability guidelines. We’ll walk you through exactly what’s needed and how to position your fund for success.
What is a limited recourse borrowing arrangement (LRBA)?
An LRBA is a structure that allows your SMSF to borrow money to purchase an asset (like property), while protecting the rest of your super assets from risk. It’s required for almost all SMSF loans, and we’ll ensure it’s set up correctly.
Can I refinance an existing SMSF property loan?
Yes, and it can often improve your interest rate or loan flexibility. Refinancing within an SMSF has some extra requirements, but we handle the legwork and guide you through the process smoothly.