SMSF Brokers Australia

SMSF property specialists for commercial and residential investment

Expand your investment property portfolio through our access to competitive Australian commercial and residential SMSF finance options.

We help you secure SMSF loans for commercial and residential property, making the process simple and focused on building long term wealth.

Why work with SMSF Brokers Australia

SMSF lending isn’t just about getting a loan approved. It’s about structuring things properly from day one so your investment works now and into the future.

Strategy First

Built around the bigger picture

We look beyond the loan. Every structure is designed to support your broader investment plan and long term position.
SMSF Specialists

Focused on what we do

SMSF lending is a niche. We work in it every day across commercial and residential, so you’re not figuring it out as you go.
Smart Structures

Set it up the right way

Getting your SMSF loan right the first time is critical. We handle the heavy lifting from application to settlement. Our focus is on creating a clean structure that works for your portfolio today and well into the future.
End to end

We handle the process

We guide you from start to settlement, keeping things moving and making sure you always know what’s next.

Can you invest through your super?

Many people are closer than they think. With the right setup, your super can be used to invest in property through an SMSF.

Quick points

  • A combined super balance from around $150k to $200k is a common starting point
  • Flexible LVR solutions that adapt to your investment scenario, ensuring you maximize your fund's purchasing power
  • Invest in a wide range of assets, including the ability for business owners to occupy and lease their own premises.
  • Loan servicing may be supported by rental income and super contributions
We’ll assess your position and show you what may be possible based on your numbers and structure.

SMSF Borrowing Capacity Calculator

If you’re thinking about leveraging your SMSF to invest in property, you should check out our SMSF borrowing calculator. Fill out your information, and we can estimate your maximum SMSF borrowing capacity on an investment property.
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Enter your loan details to see your estimated borrowing power.

Based on the data you have supplied, we estimate you can borrow

Disclaimer: The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for any SMSF loan product. Information such as interest rates quoted and default figures used in the assumptions are subject to change.

Calculator Assumptions

Loan Interest Rate: We assume that the rate you enter is the rate that will apply to your loan for the full loan term — even if you choose a variable rate or an interest-only rate which, in practice, will only apply for a limited period.

Annual Rental Income: We assume that a tenant would be occupying the property for the entire loan term and that the income you enter will apply for the entirety of the loan term. Lenders typically assess 80% of gross rental income.

Annual Salary: We assume that the salary entered applies for the full financial year before any deductions.

Salary Sacrifice: We assume that the salary entered is included in the Annual Salary field and the entirety of the amount entered is paid into the relevant borrowing SMSF entity.

Super Guarantee (SG): Employer SG contributions are calculated at 11.5% of annual salary and included in serviceable SMSF income.

Assessment Rate: A 2.9% buffer above the entered loan rate is applied, in line with standard SMSF lender policy.

Loan Term: A 25-year principal & interest loan term is used, which is typical for SMSF Limited Recourse Borrowing Arrangements (LRBAs).

Estimated Borrowing Amounts: The result generated is based on current market conditions and internal lending parameters. This amount may differ if the same figures were inputted at a different date and is not a true indication of the allowable amount should a full application be provided and reviewed.

A simple path from idea to purchase

We keep the process straightforward and easy to follow from the start. You’ll know where you stand, what your options look like, and what comes next at each step. We handle the detail behind the scenes so everything stays on track.

1.

Share your details

Quickly run a borrowing power check or book a meeting with your SMSF specialist broker for a quick chat to assess your position.

2.

We run the numbers

We review your super, income and borrowing capacity.

3.

Strategy

We walk you through your options and structure.

4.

Loan & settlement

We manage the process through to approval and purchase.

Done properly, an SMSF property can support income, growth and tax outcomes over time. The key is getting the structure right from the start and making sure it fits your overall position.

Call us, we're here to help

Our SMSF specialists will help guide you through the process and get you to your goal sooner.
0423 833 323

Book an appointment

Experience the difference. We handle the details and fit seamlessly into your schedule.
Book a chat

Start your application

We get it, you’re ready to move. Let us know your goals and we’ll tailor the best lending options for you.
Get started
SMSF Brokers Australia

Lending solutions for you.

SMSF Brokers Australia is a specialist mortgage broker focused on property investment through super, supporting clients across Australia.

We help with commercial and residential SMSF finance, structured to suit your fund and long term plans.

Commercial SMSF | Residential SMSF | Owner Occupied Business Premises | Investment Property Finance
This website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.
Establishment Apparel Pty Ltd trading as SMSF Brokers Australia (ABN 50 656 353 105) with Credit Representative Number 554449 is a Credit Representative of Australian Credit Licence 387025.