Discuss your options with our Self Managed Super Fund lending specialist.

Book a consultation with a
SMSF lending specialist.

Expand your investment options with an SMSF loan

Whether you are looking to purchase commercial property for investment purposes or investigating your options for purchasing an investment property through your SMSF, our SMSF lending specialist can help.

Commercial Property Loans

You can use your SMSF to buy a qualifying commercial property. Our SMSF lending expert will work with your financial advisor and accountant to ensure you and the property meet the criteria. 

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?

An SMSF lending specialist will work closely with your accountant and financial advisor to help you build a property investment portfolio using your self-managed super fund.

Key benefits & advantages

  • Access a limited number of lenders that provide commercial and residential loan options for borrowing in self-managed super.
  • On-going advice and guidance for additional borrowing and future refinancing.
  • Navigate the rules around commercial and residential property investment using self-managed super.

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 take out a special type of loan called a Limited Recourse Borrowing Arrangement (LRBA) to purchase the property. 

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 an asset, such as property. The asset is held in a separate trust, known as a holding trust, until the loan is repaid. If, for some reason, the SMSF defaults on the loan, the lender’s recourse is limited to the asset held in the trust. This means other assets of the SMSF are protected. The SMSF has a beneficial interest in the asset and, once the loan is fully repaid, the SMSF gains legal ownership of the asset.

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

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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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