SMSF Property Loans
SMSF Lending Solutions
Invest in Property Through Your SMSF With Confidence
Purchasing property through a Self-Managed Super Fund (SMSF) is one of the most powerful long-term wealth-building strategies available to Australian investors, but it is also one of the most complex. SMSF lending is governed by strict rules under the Superannuation Industry (Supervision) Act, and getting the structure right is critical to ensuring your fund remains compliant while making the most of the investment opportunity. Our FlexLend SMSF loan solution supports property investment through your SMSF across both residential and commercial security, With no asset test required, no clawback, and a straightforward liquidity test, our SMSF loan solution is designed to make compliant SMSF property lending as accessible and clearly structured as possible. We'll guide you through every requirement from the outset so you can invest with confidence.
Our SMSF Loan Solutions
Whether your SMSF is purchasing a residential investment property or a commercial asset, including business real property occupied by a related party, our FlexLend SMSF loan solution provides a clear, compliant pathway to property investment through your fund.
Residential SMSF Property Loans
Our FlexLend SMSF residential loan solution enables your fund to purchase or refinance a residential investment property using a Limited Recourse Borrowing…
Commercial SMSF Property Loans
Purchasing commercial property through an SMSF, including business real property such as an office, warehouse, factory, or retail premises, can be a…
SMSF Loan Structuring & Compliance
SMSF property lending must be structured correctly under superannuation law to ensure your fund remains compliant. All SMSF borrowing for property must be…
Refinancing an Existing SMSF Loan
If your SMSF already holds a property with an existing loan and the current terms are no longer competitive, refinancing within the LRBA framework may be…
Frequently Asked Questions
An SMSF property loan allows your Self-Managed Super Fund to borrow money to purchase an investment property, either residential or commercial, using a structure known as a Limited Recourse Borrowing Arrangement (LRBA). Under an LRBA, the property is held in a separate bare trust (also called a holding trust) on behalf of the SMSF while the loan is outstanding. The lender's recourse is limited to the asset held in the bare trust; the other assets of the fund are protected. Once the loan is fully repaid, legal ownership of the property transfers from the bare trust into the SMSF. All rental income and any capital gain on the property flows back into the superannuation fund, subject to the applicable tax treatment within the fund.