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SMSF Residential Property Loans Made Simple
Take control of your retirement strategy and use your Self Managed Superannuation Fund (SMSF) to purchase residential property with expert guidance and compliance support.
More Australians are discovering the power of using their Self-Managed Superannuation Fund to invest in residential property. With the right structure, your SMSF can borrow money to purchase an investment property — all while maintaining compliance with the ATO’s strict rules.
At Causbrooks Finance, we specialise in SMSF lending. We work with experienced brokers and trusted lenders who understand the unique requirements of SMSF borrowers.
Our goal is to help you make confident, informed decisions that align with your retirement objectives.
We can assist with:
Contact us today for a consultation.
Talk with our loan specialists about how much you can borrow today. Fill out the quick assessment form and we'll help you plan your first home purchase.
Why Choose Causbrooks Finance?
At Causbrooks Finance, we connect you with hundreds of lenders, including Australia's big 4 banks, to secure competitive rates that fit your unique situation. Our deep market knowledge helps you access better deals than going directly to banks.
Our service comes at no cost to you - the lender pays us when your loan settles. In those rare cases where fees might apply, we discuss this openly before proceeding. You get expert guidance without the price tag.
We know your time matters, that's why we meet you at your convenience. We manage everything from loan comparisons to settlement paperwork, letting you focus on what's important - finding your perfect home.
Invest in Property Through Your SMSF with Causbrooks Finance
Access property investment loans for your Self Managed Super Fund through our network of bank and non-bank lenders. Whether you're looking at residential property investment or non-specialised commercial property, we'll connect you with Australian Credit License (ACL) holders who understand SMSF lending requirements.
Your SMSF property loan offers investment flexibility based on your financial situation. For residential properties, you'll need a non-trading corporate entity trustee structure. Commercial property investments allow both corporate and individual trustee arrangements.
Our lending partners support both new purchases and refinancing options where your original property remains as security.
We analyse your fund's position and loan requirements to match you with the right lending solution.
Our team works with SMSF specialist accountants who can assess you with everything from trustee structures to property types, ensuring your investment meets SMSF compliance rules.
With access to every active SMSF lender in Australia, we help secure terms that support your property investment strategy and capital growth goals.
Find Out If Your SMSF Can Borrow Through Causbrooks Finance
At Causbrooks Finance, we help determine if your SMSF qualifies for property investment loans. Whether you're looking at residential or commercial properties, understanding your eligibility starts with your fund's structure.
Already have an existing residential SMSF loan?
We can assess your refinancing options while maintaining your existing property as security. Let us review your current setup to confirm your eligibility and explore your borrowing options.
F.A.Q.
What is an SMSF Loan?
An SMSF loan is a type of Limited Recourse Borrowing Arrangement (LRBA) that enables a Self-Managed Super Fund to borrow money for the purpose of purchasing an investment property.This strategy allows the SMSF to access the property market using leveraged funds, potentially enhancing both rental income and capital growth within the superannuation environment.For many Australians, SMSF loans offer a way to grow their retirement savings through property investment — while benefiting from the concessional tax treatment available inside super.SMSF loans can be especially appealing to trustees who have experience or confidence in the real estate market and want greater control over their fund’s investment strategy.
Can I use my SMSF to buy a residential property I want to live in?
No. Under current regulations, SMSFs can only purchase residential properties that are solely for investment purposes. You or related parties cannot live in or rent the property.
How much can my SMSF borrow for a residential property?
The borrowing capacity of your SMSF depends on the fund’s income, assets, and contributions. Typically, SMSFs can borrow up to 80% of the property’s value, though some lenders may cap it at 70%. A 20–30% deposit (plus costs) is usually required.
How Do I Apply for an SMSF Loan?
Applying for an SMSF loan is more complex than a standard home or commercial loan, due to strict rules under Australian superannuation and tax law.
Before you can apply, you’ll need to have a compliant Self-Managed Super Fund already established — including a dedicated trust structure (often called a bare trust) to hold the property on behalf of the fund while the loan is in place.
Because SMSF lending involves legal, tax, and financial considerations, it’s essential to seek professional advice before proceeding. A qualified accountant, solicitor, and SMSF loan broker can help ensure your setup is compliant and tailored to your fund’s investment strategy. Our SMSF specialists at sister company causbrooks.com.au are able to assist you with setting up your SMSF if you need.If you're ready to explore your options, speak with one of our lending experts to understand your borrowing capacity and the steps involved.
What is a Limited Recourse Borrowing Arrangement (LRBA)?
An LRBA is a special loan structure that allows an SMSF to borrow to acquire a single asset (e.g. a residential property). If the fund defaults, the lender's claim is limited to the asset itself — protecting the rest of the SMSF's assets.
What are the tax benefits of using an SMSF to buy property?
Rental income is generally taxed at a concessional rate of 15%. If the property is held for more than 12 months, capital gains are taxed at just 10%. Once the fund enters the pension phase, both rental income and capital gains can become tax-free.
Are there restrictions on who can rent the property?
Yes. You cannot lease the property to yourself, family members, or any related party. All dealings must be strictly at arm’s length to remain compliant with the SIS Act.
Can I renovate the property purchased by my SMSF?
Only repairs and maintenance are allowed while the loan is in place. Major renovations or improvements that change the nature of the property are not permitted under LRBA rules until the loan is repaid.
How long does SMSF loan approval take?
SMSF loans are more complex than standard home loans and usually take longer to process — often 4 to 8 weeks. Working with an experienced SMSF loan broker can speed up the process by avoiding common compliance issues.
What fees and costs should I expect?
In addition to the standard purchase costs (stamp duty, legal fees, etc.), lending can involve setup costs for a bare trust, legal structuring, lender application fees, and higher interest rates. It's essential to factor these into your overall strategy.
Can I refinance an existing SMSF loan?
Yes, refinancing is possible, but it must be done carefully to avoid breaching superannuation rules. We can help assess whether refinancing your SMSF loan is appropriate and cost-effective.
Do I need a financial adviser or accountant involved?
A financial planner is not necessary. SMSF lending requires coordination between your broker, accountant, legal advisor, and a financial planner if applicable, to ensure full compliance and effective strategy.
Can I purchase a commercial investment property with my super?
Yes, your SMSF can purchase commercial investment property, provided the transaction meets superannuation law and is part of your fund's documented investment strategy. Commercial property can be leased to a related party (such as your business) as long as it's on market terms and fully compliant with SMSF rules. See our page SMSF Commerical Loan for more information.
All lending services are rendered by Zelos Finance Group, which is a Credit Representative (CRN 566666) of Finsure Finance and Insurance Pty Ltd (ABN 72 068 153 926). Lending services are authorised by Finsure Finance and Insurance Pty Ltd, Australian Credit Licence Number 384704.