Unlock SMSF Lending Possibilities
SMSF Lending allows you to leverage your superannuation to invest in property. Our expert team is here to guide you through the process, aiming to provide a streamlined experience. We specialise in SMSF lending to help you meet lender requirements from the start.
Understanding the basics
What is an SMSF Loan?
Borrowing within your SMSF (Limited Recourse Borrowing
Arrangements) may allow you to invest in property using your
superannuation.
Potential benefits may include tax
concessions, diversification, and the potential for long-term
capital growth.
Important risks to consider:
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Property values can go down as well as up.
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If the loan cannot be repaid, the property may need to be sold, potentially at a loss, and this could significantly reduce your superannuation balance.
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SMSF lending is complex and involves ongoing costs (e.g. higher interest rates, establishment fees, compliance costs).
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Your SMSF’s ability to meet loan repayments depends on its cash flow and investment returns.
Disclaimer or Note: This information is general in nature. Consider seeking independent financial and legal advice tailored to your circumstances before proceeding. Past performance is not a reliable indicator of future performance.
Investor Eligibility
Is SMSF Lending Right For You?
Who Should Consider
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Long-term strategy: Investors looking for property investment as a 10-20 year plan.
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Diversification: Seeking to move away from pure share-market super funds.
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Business Owners: Looking to buy premises via their SMSF for their own business.
May Not Be Suitable
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Low Balance: SMSFs with balances under $150,000 - $200,000.
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Short Term: Investors looking to 'flip' property quickly.
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Complexity: Unwilling to handle the administrative compliance of an SMSF.
Investment Options
What You Can Buy With An SMSF Loan
Residential Investment Property
Long-term rental income and capital growth inside your SMSF.
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Business Real Property
SMSF can purchase premises used by your business (ATO-compliant).
Details arrow_forwardSMSF Loans: Benefits & Requirements
Understand the advantages of Self-Managed Super Fund borrowing and the criteria needed to qualify for a loan.
Key Benefits of SMSF Loans
High LVR Options
LVR options of 70–80% are available for eligible applicants. Terms and conditions apply.
Tax-Efficient Income
Rental income stays within your super, enjoying concessional tax rates.
Capital Growth
Benefit from long-term capital appreciation within your super structure.
Trust Protection
Leverage separate trust structures for enhanced legal protection.
Expert Lenders
Direct access to specialized, SMSF-friendly lending institutions.
* Conditions apply. Consult with a financial advisor for personalized tax advice.
Loan Requirements
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Minimum SMSF Balance
Typically requires a balance of $150,000+ to ensure viability.
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Regular Contributions
Consistent super contributions to demonstrate servicing capacity.
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Clean Compliance History
Evidence of a well-managed fund with no regulatory breaches.
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Property Criteria
The selected property must meet specific lender security guidelines.
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Compliant Trust Deed
Your fund's trust deed must explicitly allow for borrowing.
Nifty Lending Services helps review your SMSF structure and documents to meet lender requirements and reduce delays.
WHY CHOOSE NIFTY LENDING SERVICES
SMSF Loan Specialists
We specialise in SMSF lending and understand the complexities of LRBA structures, trust requirements, and superannuation compliance—so your loan is structured correctly from the start.
Access to SMSF-Friendly Lenders
Not all lenders offer SMSF loans. We work with a panel of lenders experienced in SMSF property finance, giving you more options and better-aligned solutions.
Clear, Compliant Guidance
SMSF lending comes with strict rules. We provide clear, compliant guidance at every step of your journey.
End-to-End Support
From assessing borrowing capacity to coordinating documents and supporting settlement, managing the administrative complexities on your behalf to assist with the loan process.
Ready to Explore SMSF Property Investment?
Find out whether an SMSF loan aligns with your retirement strategy.