SMSF Brokers Australia

SMSF Loans

SMSF residential property investment

Using your super to invest in residential property can be a powerful way to build long term wealth when it’s structured properly.

SMSF residential lending comes with its own rules and lender requirements. We focus on getting the setup right from the start so your loan supports your broader investment position.

What to know

Before you move ahead, it’s important to understand how SMSF residential lending works and what lenders look for.

Borrowing limits

Flexible LVR that adapts to your investment scenario

Borrowing limits can vary dependant on the type of property and location.
Property requirements

Standard residential only

Lenders focus on established houses, units and townhouses in metro or strong regional areas.
Lending structure

Non bank lenders

SMSF loans are typically provided by non bank lenders and structured differently to standard home loans.
Costs and setup

Rates and requirements

Interest rates are generally higher than standard lending and the structure must meet SMSF rules.

How it works

The process starts with understanding your super balance, income and borrowing position.

From there, we’ll outline what may be possible and how the structure should be set up. Once you’re ready, we manage the loan process through to approval and settlement.

What you can do with an SMSF

You can use your SMSF to invest in residential property that meets lender and compliance requirements. This includes houses, units and townhouses that are held purely for investment purposes.

Over time, your SMSF can be used to build exposure to property as part of a broader strategy, using a combination of rental income and super contributions to support the loan.

Funding your deposit

There are several ways to build your position inside your SMSF.

You can use concessional and non concessional contributions, access any available carry forward caps, and combine existing super with new contributions over time.

The way contributions are structured can impact your borrowing capacity, so this should be aligned with your accountant or financial planner.

Servicing your loan

SMSF residential lending allows for different ways to show affordability depending on your position.

This may include rental income from the property, employer and personal super contributions, and in some cases projecting future contributions based on your income.

Some structures may also allow personal income to be considered where required.

Property suitability

Not all properties are accepted under SMSF lending.

Generally, lenders are looking for standard residential properties in established locations. More specialised properties or anything involving construction or development is typically not suitable.

We’ll help you understand what will and won’t work before you commit to a purchase.

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See what you could do with your super

The first step is understanding your borrowing position and how the structure should be set up. Check your SMSF borrowing power or get in touch to discuss your options.
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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.

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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.