SMSF Loans

Self-Managed Superannuation Funds
(SMSF) Loans


A Self-Managed Super Fund is a form of retirement fund from which members have control over their retirement savings.

Legislation in Australia allows SMSF to invest in real estate.

How does SMSF work?



Not all lenders offer loans for SMSF.

The lenders that do provide loans for SMSF have very different policies.

  • Some provide loans for residential property only, some commercial property only and some offer loans for both types of investments.
  • Some offer offset accounts, some don’t.
  • Some require minimum balances in the SMSF, some don’t.
  • Some loan to newly set up funds, some don’t.
  • Some review the guarantors financial position, some don’t.

SMSF Loan Approval Process

1. Establish Your SMSF

The Trust Deed establishing the SMSF must give the Superannuation Fund Trustee power to:
i.     purchase real estate,
ii.    borrow money, and
iii.    mortgage property to secure repayment of that borrowing.

2. Obtain Loan Approval

We recommend a SMSF loan ‘pre-approval’ prior to exchanging any contracts and paying deposit monies.

3. Establish the Bare Trust Deed

The Property Trust Deed can be established once ‘pre-approval’ is obtained.

It is NOT required prior to applying for the loan.

In some cases a template will be provided for your accountant or financial Adviser to ‘cut & paste’ the relevant information, including the security property details and trustee information.

4. Purchase Contract can be formalised.

When contracts are exchanged or made unconditional between the seller as vendor and the bare trustee as purchaser, the deposit will be paid by the SMSF.

5. Valuation Ordered & Formal Loan Approval.

Once you have signed your purchase contract and returned to us, the lender will order a valuation and once returned and all outstanding conditions are satisfied, formal approval for your SMSF loan will be issued

6. Lenders Solicitors prepare & issue Mortgage Documents.

The lender will instruct solicitors to prepare your mortgage documents and be issued to you for signing.

The SMSF borrowing structure uses normal loan and mortgage documents with special provisions to provide the limited recourse against the property being purchased.

7. Settlement.

The purchase is completed.

After registration of the transfer on the mortgage, the transaction/title documents will be held on behalf of the lender.

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What Clients Say

My partner and I were very anxious about getting our first home loan. Hellen was incredibly supportive right from a free consultation before we even had our deposit together, through to applying for the loan a year later. She was patient and answered our many questions throughout the process. Even today we keep her updated on our progress and ask for advice on paying off our loan quickly. We’d like to thank Hellen for her patience and flexibility!

My experiences with Hellen have been overwhelmingly positive and I can’t recommend her enough. From the time we first spoke on the phone, through our initial meeting and all following interactions, Hellen has been a valued partner for me in buying a new home. Not only has she assisted with accurate and helpful advice with regards to the mortgage itself, she has also always been available, often at short notice, to discuss any questions I had about the process overall.

The difference between Hellen and other brokers I have used comes down to her approach; it doesn’t feel like I’m just another client for her, instead I am someone that is important and deserves her personal attention. She is someone I can rely on for advice, has been always responsive, always professional and always delivered for me when I needed something.

Our new business was showing potential but we needed an injection of cash to take it to the next level. Our bank, however, refused to help us out and the finance brokers that we spoke to said not to bother trying, as we had no chance of getting a loan!

Then Hellen was recommended to us and it literally changed our business!

Hellen was able to share the vision we had of putting a mobile cat grooming van on the road, the only one of its kind in Perth. She left no stone unturned in finding a loan provider that was not only willing to give us the money but also a repayment scheme that suited us. The support she gave us right through the process was exemplary!

Since then the business has not looked back and we are considering expanding again.

When we do Hellen will be the one we call!

I have no hesitation in recommending Hellen’s services to anyone.