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Residential Property Investment via SMSF

Using your SMSF to buy a residential investment property is a smart way to build long-term wealth in a tax-effective environment. This strategy allows your super fund to receive the rental income and any capital growth. We help you get the complex structure and lending right from day one.

Lending Highlights

Key details we workshop with every SMSF trustee:

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LVRs
Borrow up to 80% of the property value for established properties.
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Loan Options
Choose from interest-only or principal & interest repayments to match your fund's cash flow.
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Rates
Access fixed or variable rates from both major and specialist SMSF lenders.

Compliance is Key

The ATO has very strict rules for residential SMSF properties:

  • Sole Purpose Test: The property must be solely for providing retirement benefits.
  • No Related Parties: You, your family, or any related party cannot live in the property or rent it, even for a short time.
  • No Improvements: You can repair and maintain the property, but you cannot use borrowed funds to improve it (for example, add a new room).

Our Role in Your SMSF Loan

We are not financial planners, but we are the vital link to the lenders. We will:

  • Work with your accountant and solicitor to ensure the bare trust and LRBA are structured correctly.
  • Compare specialist SMSF lenders (not all banks offer these loans).
  • Manage the entire application and settlement process.
FREQUENTLY ASKED QUESTIONS

Got Any Questions?

Grow your super with a property that works for your future.

Let's discuss your SMSF residential investment goals. Our brokers break down the compliance steps, structure your LRBA correctly, and negotiate with lenders on your behalf.

Disclaimer: This is general information only and not financial advice. SMSF borrowing is complex. We strongly recommend you seek independent financial, legal, and tax advice before proceeding. Lending criteria apply. Please view our Privacy Policy and Credit Guide.