Self-managed super fund (SMSF) lending is a different beast!

They are loans Australians can use to invest their superannuation in a residential or commercial property. They are an incredibly complex loan scenario that needs expert advice and professionals working for you to ensure the correct structure and strategy is in place. You’ll need to understand the fees and charges that are involved, as well as how to be legally compliant in your loan structure.

Loans are generally up to 70%, sometimes 80% of the purchase price, never any more than this. You will also need to have a minimum of 10% of the debt value in your SMSF as residual cash to cover any expenses that may crop up. As an individual, you do not pay the loan from your personal income. Payments come out of your Superannuation to pay for repayments and costs on the property.

Some rules

  • You are not allowed to do any major renovations on your property in a SMSF as the regulators do not want to see your SMSF funds going into construction.
  • You are also not allowed to ever live in this property even in retirement.

There are numerous entities involved in the SMSF Loan as set out in this diagram:


It is important to know that your self-managed super fund actually can’t borrow money, but a Bare or Custodian Trust can. The Bare Trust is the missing link between you and the SMSF. When you have paid off the loan the trustee company will transfer the asset into the SMSF.

Your Super is a big part of your future financial stability! It’s complicated, so always seek the best advice, ask many questions, research, and think long-term. Whilst it is a very popular loan structure it is not necessarily suitable for everyone.

Generally the absolute minimum amount you should have in super before you start considering this is $200,000. You will need to obtain a Statement of Advice from your financial professional. 

Pink Finance has a great team of finance professionals who can set this up for you so that you can make an informed decision. As mortgage brokers we simply facilitate the advice you have been given and from here we can find the most suitable SMSF loan for your personal situation.

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  • Your professional and expert knowledge in your field has been a fantastic resource for new clients. The ladies have a great understanding and ability to convey this information to clients. I have put my trust in them and have always been reassured that they would help me through this process the whole way. A supportive and encouraging team and I would highly recommend to all people considering their service.

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    As well as being friendly and easy to deal with, Nicole really knows her game. She was well schooled in the best deals in the market each time we met her and did whatever it took to get us the best home loan overall. I’ve been unimpressed by other mortgage brokers in the past, so had done my homework though other lenders and could never beat the deals that Nicole was not only bringing to me but doing all of the hard work in getting the applications completed. I would recommend Nicole to anyone. 10/10.

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