SMSF Property Loans Invest Through Your Super
Buying property through your Self-Managed Super Fund can be a smart way to grow retirement wealth. We guide you through every step — from SMSF lending rules to lender selection — ensuring your investment is compliant, tax-efficient, and low stress.
What Is an SMSF Loan?
An SMSF loan, also called a Limited Recourse Borrowing Arrangement (LRBA), allows your super fund to purchase property while protecting other fund assets. The loan is secured only by the property itself, meaning if anything goes wrong, your other SMSF assets remain safe.
You can use SMSF loans to purchase:
Residential Property
Investment properties for rental income (not owner-occupied)
Commercial Property
Business premises used by your business or leased to others
How Jain Home Loans Helps
We specialise in helping self-employed professionals and small-business owners who want to own their commercial premises through super.
Plain English Guidance
Explain SMSF lending rules, LRBA structures, and compliance requirements in language you actually understand.
Lender Comparison
Compare SMSF-approved lenders offering competitive fixed and variable rates tailored to your fund's situation.
Professional Coordination
Liaise with your financial planner, accountant, or SMSF trustee to keep everyone aligned throughout the process.
Bare Trust Setup
Coordinate bare trust setup, valuation, and legal documentation so nothing falls through the cracks.
End-to-End Management
Manage the entire process through to settlement, keeping you informed at every milestone.
Benefits of an SMSF Property Loan
Leverage your superannuation to build long-term wealth through property investment
Grow Wealth in Super
Build wealth inside your super fund with property appreciation and rental income over time
Pre-Tax Contributions
Use pre-tax super contributions to pay off the loan faster, reducing your effective cost
Capital Gains Concessions
Enjoy capital gains tax concessions when the property is sold during the retirement phase
Diversify SMSF Assets
Move beyond shares or term deposits and diversify your super portfolio with tangible property
Limited Recourse Protection
Other SMSF assets are protected under the limited-recourse structure if things don't go to plan
Key Considerations
We ensure your broker guidance aligns with your accountant and SMSF adviser to avoid compliance pitfalls.
Bare Trust Requirement
The property must be purchased in the name of a bare trust, not directly in the SMSF name.
No Personal Use
You cannot live in or rent a residential SMSF property to related parties. Investment or business-use only.
Higher Deposit Required
SMSF loans typically require 20-30% deposit and may have slightly higher interest rates than standard home loans.
Ongoing Compliance
You must maintain ongoing compliance and annual audits. We help coordinate with your SMSF administrator.
Example Scenario
Adelaide Dentist
Operating through an SMSF
Goal: Purchase clinic premises instead of paying rent
Solution:
- SMSF balance used for 30% deposit
- Loan structured via bare trust under LRBA
- Property leased back at market rent
Result: Business secured long-term premises and grew super balance tax-effectively.
SMSF Loan Questions
Quick answers to the most common questions about SMSF property lending
Ready to Explore SMSF Property Investment?
Speak with an experienced mortgage specialist who understands SMSF lending rules and can guide your property purchase through super.
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