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Expand your investment options with an SMSF loan

Considering a residential or commercial investment for your SMSF? Our dedicated SMSF lending specialist is here to help, from the initial concept right through to settlement, ensuring you meet every lending requirement with confidence and ease.

Commercial Property Loans

Thinking about using your SMSF to secure a commercial property, whether for your own business or a pure investment? Our SMSF lending expert will work hand‑in‑hand with your accountant and financial adviser to craft a loan structure that fits seamlessly into your business or investment strategy.

Residential Investment Loans

You can purchase residential investment properties through a self-managed super fund. Consult with our SMSF lending expert to explore your options.

Why use an SMSF lending specialist?

SMSF borrowing is tightly regulated, and only a select group of lenders operate in this niche. A dedicated specialist understands the fine print, knows which lenders will accommodate SMSF deals, and coordinates effortlessly with your professional team to deliver a smooth, compliant lending experience.

Key benefits & advantages

  • Save valuable time: Instead of hunting for the handful of lenders that accept SMSF borrowers, pinpoints the right lending option right away
  • Clarity amid complexity: Cut through the SMSF lending rules and property purchase steps with clear guidance from start to finish.
  • Ongoing support and review: After settlement, they monitor and negotiate interest rates to identify refinancing opportunities, ensuring your SMSF loan remains competitive over the long term.

SMSF Loans FAQ's

Can I operate my own business through a commercial property
purchased through my self-managed super fund?

Yes. This is a popular strategy for business owners to buy business premises. If your self-managed super fund has enough cash, you can purchase the property outright. If not your SMSF can seek a Limited Recourse Borrowing Arrangement (LRBA) to help purchase the property which your business then leases.

What is a Limited Recourse Borrowing Arrangement (LRBA)?

A Limited Recourse Borrowing Arrangement (LRBA) is a special type of loan that allows your Self-Managed Super Fund (SMSF) to borrow money to purchase property. The property is held in a separate trust, known as a bare/custodian trust, until the loan is repaid.

If the SMSF defaults on the loan, the lender’s recourse is limited to the property held in the bare trust, and protects other assets of the SMSF are protected.

Can I live in a residential property I purchase through self-managed super?

No. There are strict criteria for investing in residential property through self-managed super. You cannot purchase a primary residence, construct a new home or live in the property.  Your accountant or financial advisor can provide specific advice regarding your options.

Chris Luu
Lending Specialist

Talk to our SMSF lending specialist.

Avenyou can help you navigate the challenges of investing in property using your SMSF. Request a call-back today.

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TESTIMONIALS

See what our happy customers have to say.

I really valued the ability to explain the product to me in ‘laymen’s language and answer the same questions from me without getting tired of them. Your prompt response and ability to understand my situation was important to me.

Phillipa Ardlie

Avenyou were able to explain it all to me easily and clearly as it was my first time buying a home. I had zero prior knowledge so this was very important to me.

Laura Carr

Very responsive, explained everything very clearly, and always happy to answer any questions.

Megan Stuart

I can’t express how impressed I am with your services. You have definitely exceeded my expectations especially since you were always transparent, professional, and calm in your approach. In the end, you were able to facilitate finance for a complex and stressful investment property purchase. You definitely made this process easier with your high level of support and genuine care. I’m very grateful for all your hard work and efforts.

Michelle Hopkinson

Taking us through the contracts before we signed them and not rushing us was really appreciated. Also, the information about bonus payments for each option presented to us was so transparent which was really appreciated.

Nicole Swanson

Avenyou’s communication, and delivery of the loan request from start-to-finish was amazing.

Blake Hibbert

Just good all round honest service. At the end of the process it all went very well and smooth from start to finish,

Brent Hardie

Avenyou provide personal follow through and making sure all of our many questions were answered. We felt a lot of trust from a previous experience and again the team did a great job the second time around.

Karen Verguizas

Avenyou make the process with the Bank approval so straightforward. There is clearly a lot involved but I felt like you were across what was required and managed the complexities.

Lisa Colley

The online portals that help streamline the application process/data transfer were excellent.

Matthew Nugent

Very knowledgeable and our broker always made himself available to chat through any issues or questions we had.

Nicholas Story

What stood out was the willingness to spend the time required to understand our current situation and our needs/goals, and the ability to quickly understand the nuances of our particular situation.

Ian Misfield

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