Setting up a home loan or investment loan through an SMSF can be complicated and time-consuming. This is where a mortgage broker can help.
SMSF property lending is more specialised than a standard home or commercial property loan. The lender needs to assess the property, the fund, the borrowing structure and the SMSF’s ability to service the loan.
The rules also changed on 10 August 2026. New property LRBAs now need to involve eligible business real property, while existing residential SMSF property loans may continue and can still be considered for refinancing.
At SMSF Brokers Australia, we focus on commercial SMSF property finance and refinancing existing residential SMSF investment property loans.
SMSF lending policies vary significantly between lenders.
We compare suitable lenders based on factors such as:
Rather than approaching lenders at random, we can narrow the search to lenders whose SMSF policies suit the transaction.
New SMSF property borrowing now focuses on eligible business real property.
We can help assess the lending position for eligible commercial property purchases and compare SMSF lenders based on the fund, property and proposed loan structure.
This can include finance for eligible offices, warehouses, industrial premises, retail property and other commercial assets.
Already have residential investment property inside your SMSF?
Existing residential SMSF property loans entered into before the 10 August 2026 changes may still be refinanced, subject to the existing arrangement and new lender meeting the relevant requirements.
We can review your current:
From there, we can compare suitable SMSF refinance lenders and determine what options may be available.
SMSF finance generally involves more documentation than a standard property loan.
Your broker can help coordinate the lending documents, communicate with the lender and manage the application from submission through to approval and settlement.
Depending on the transaction, the lender may request SMSF financial statements, trust documents, rental information, contribution history, property information and LRBA documentation.
Our role is focused on credit and lending.
SMSF investment strategy, tax, accounting and financial product matters may require input from appropriately qualified professionals. ASIC distinguishes credit assistance from financial product advice, which requires the appropriate AFS licence or authorisation.
We can work alongside your accountant, financial adviser and legal professionals where required while managing the finance component of the transaction.
Whether you are looking to finance eligible commercial property through your SMSF or refinance an existing residential SMSF loan, SMSF Brokers Australia can help you understand the lending options available.
We compare suitable SMSF lenders, help structure the loan application and manage the finance process through to settlement.
Talk to us about your SMSF property finance.
