SMSF loans
SMSF Property Loans in Sydney – specialist lenders, done properly.
Buying property through a self-managed super fund is a specialist corner of lending with strict rules. We work with the lenders who do it well, and alongside your accountant and financial adviser, to structure SMSF loans that hold up to scrutiny.
Why SMSF property
What SMSF lending can offer.
Go in with open eyes
Important considerations first.
SMSF loan requirements.
- SMSF must be established and compliant
- Clear investment strategy in place
- Sufficient funds for deposit (typically 30%+)
- Property must meet SMSF investment guidelines
- Professional SMSF administration in place
- Independent property valuation required
Get the lending side right.
SMSF property investment needs specialist knowledge and careful planning. We handle the lending and work with your accountant and financial adviser on structure and compliance. If your fund is weighing up residential property, the Bankstown property market report and Fairfield suburb report are a useful read on rental demand in Sydney's middle ring.
Important: SMSF property investment involves complex regulations. We strongly recommend seeking professional advice from qualified accountants and financial advisers before proceeding.
No obligation
Get personalised SMSF lending guidance.
General information only. SMSF lending involves complex regulations. Seek professional advice.
Common questions
SMSF loan FAQs.
How much deposit does my SMSF need?
Specialist lenders often require 20–30%+ deposit plus costs for SMSF property loans. Requirements vary by lender and asset class.
Can my SMSF buy residential property?
It may, subject to SIS Act rules and the fund's investment strategy. Related-party use is generally prohibited. Always confirm with your adviser.
Do SMSF loans require personal guarantees?
Many lenders require personal guarantees from trustees/directors. Policies vary and are subject to change.
Take the next step
Twenty minutes. Straight answers.
Book a free call and walk away knowing your borrowing power, your options, and whether your current loan still stacks up — whatever you decide to do next.