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Investing in Property with an SMSF Loan

Thinking about using your Self-Managed Super Fund (SMSF) to invest in property? At Wealth Builders Finance, we specialise in helping Australians secure SMSF loans for residential and commercial property purchases. Our team connects you with SMSF-approved lenders and guides you through the entire loan process—so you can invest with confidence.

Expert Guidance for SMSF Property Loans

SMSF lending comes with strict rules and added complexity, but that’s where we come in. We’ll help you understand loan structures, eligibility requirements, and regulatory obligations—ensuring your investment stays compliant and aligned with your financial goals.

Whether you're looking to buy your first SMSF investment property or expand your super fund portfolio, we simplify the process and support you every step of the way. Book a free consultation today and find the right SMSF loan for your strategy.

An SMSF loan allows a Self-Managed Super Fund to borrow money to purchase investment property. The loan is limited-recourse, meaning the lender’s recovery rights are limited to the property itself.

No, properties purchased through an SMSF must be solely for investment purposes and cannot be used as personal residences.

Repayments are made from the SMSF’s balance, which must be sufficient to cover loan obligations and maintain compliance with contribution caps and other regulations.

The amount you can borrow with an SMSF loan depends on factors such as the value of your SMSF, the type of property you wish to purchase, and the lender's criteria.

Generally, lenders allow you to borrow up to 70-80% of the property’s value (Loan-to-Value Ratio or LVR) for residential properties and up to 60-70% for commercial properties.

Your SMSF must also demonstrate sufficient income to service the loan and meet ongoing expenses. It's essential to consult with a mortgage broker to explore options that suit your fund’s financial position.

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The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
Sam Potter is a Credit Representative (570029) of BLSSA Pty Ltd ACN
117 651 760 Australian Credit Licence 391237. Wealthbuilders Finance Pty Ltd (ABN: 46 686 102 394) is authorised under LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192

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