SMSF Property
Loans

Buy property using your super. An SMSF property loan lets your Self-Managed Super Fund (SMSF) borrow money to purchase an investment property. Our Melbourne brokers will explain how it works and guide you every step of the way.

SMSF Loan

What is a SMSF Property Loan?

It is a special type of loan that allows your super fund to borrow to buy an investment property. The repayments come from rental income, super contributions and SMSF cash reserves.

A SMSF property loan is regulated by the Australian Tax Office, which means the structure must follow specific rules to stay compliant.

What We Do

SMSF Lending Made Easy

SMSF lending comes with more rules, added steps and increased paperwork. That’s why having a broker is helpful. At LoanZaver, we explain all the details and walk you through the process from application to settlement.

We explain the rules, structures and ATO requirements
Show you what your SMSF can afford
Identify lenders that actually offer SMSF property loans
Assist with the bare trust setup (working with your accountant or legal team)
Prepare and package your application
Coordinate with lenders throughout the process

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SMSF Property Loans

FAQs

Answers to the most common questions about SMSF property loans.

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Can my SMSF buy a property I want to live in later?

No. SMSF properties must be for investment. They cannot be occupied by you, your family or related parties, even in the future.

How much deposit does my SMSF need?

Most lenders require 20–30%, and sometimes more for specialised properties. This deposit must come from your SMSF balance.

Can my SMSF borrow from any bank?

No. Only some lenders offer SMSF loans, and each has different requirements. Our Melbourne loan broker will help match your SMSF with a lender that supports your structure.

Do I need a bare trust?

Yes. A bare trust (also called a holding trust) is legally required for SMSF borrowing. It holds the property until the loan is fully repaid.