SMSF Loans Made Simple

SMSF Loans

Made Simple

Grow your retirement wealth by investing in property through your Self-Managed Super Fund.

Self-Managed Super Fund (SMSF) loans allow you to invest in residential or commercial property using your superannuation savings. At Finance Circle Group, we help trustees navigate the complex lending rules, compare lenders, and secure finance that meets compliance requirements.

How SMSF Loans Work

A simple 3-step process to property investment through your super fund

Set Up or Use Your SMSF

Your SMSF must be compliant and structured to borrow.

Choose an Investment Property

Loans can be used for both residential and commercial properties.

Borrow & Repay via Your SMSF

The SMSF pays the loan from super contributions and investment returns.

Benefits of SMSF Loans

Unlock the potential of property investment through your superannuation

Build retirement wealth through property investment

Leverage your superannuation for long-term growth

Greater control of superannuation strategy

Make your own investment decisions

Potential tax advantages on rental income & capital gains

Benefit from concessional tax treatment

Access to residential & commercial properties

Diversify across different property types

Ability to diversify your super portfolio

Balance property with other investments

SMSF Loan Considerations

Important factors to understand before proceeding with SMSF lending

Loan Structure

SMSF loans must be held under a limited recourse borrowing arrangement (LRBA), which protects other fund assets.

Deposit Requirement

Most lenders require 20–30% deposit from the SMSF.

Restrictions

Funds can’t be used for property development, vacant land, or improving existing assets.

Tax Implications

Tax treatment varies depending on whether the SMSF is in accumulation or pension phase.

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