Finance Hub
SMSF Lending
Borrowing to buy property inside a self-managed super fund is a specialised area with strict rules. We introduce you to independent, licensed professionals who work in this space every day.
How SMSF borrowing is different
When an SMSF borrows to buy property, it usually does so through a limited recourse borrowing arrangement. This structure is tightly regulated, and the fund itself — not you personally — is the borrower. Getting the setup right from the start is essential.
Fewer lenders operate in this space, and their requirements can be more conservative than standard lending. That is one reason specialist guidance matters here.
The team you may need
SMSF property often involves several professionals working together: a licensed accountant, a financial adviser, a mortgage broker familiar with SMSF loans, and sometimes a specialist lawyer. We can introduce you to independent, licensed specialists across these areas.
Why we do not advise
SMSF and superannuation decisions carry significant consequences and are heavily regulated. Property Growth Australia does not give financial or credit advice. We simply connect you with the right independent, licensed experts.
Related reading
- Buying property through an SMSF — the end-to-end process for SMSF property purchases.
- SMSF accountant introductions — licensed specialists who keep your fund compliant.
- SMSF property mistakes — the compliance traps that catch fund trustees.
Frequently asked questions
Can any lender finance an SMSF purchase?
No. Only some lenders offer SMSF lending, and their criteria differ. A broker experienced in this area can point you to suitable options.
Do I need advice before using my super to buy property?
Given the rules and long-term impact, most people benefit from licensed financial and accounting advice first. We can introduce you to specialists who provide it.