SMSF Loans
A Self-Managed Super Fund (SMSF) can provide a powerful way to build long-term wealth through property investment. With an SMSF loan, your fund can purchase residential or commercial property, allowing you to diversify your retirement portfolio and take greater control of your superannuation.
At Lendco Finance, we specialise in arranging SMSF property loans that meet both lender requirements and superannuation regulations. Based on the Gold Coast and servicing clients nationwide, we work with over 60 lenders, including those experienced in SMSF lending. Our role is to simplify the process and ensure your SMSF property investment is structured for success.
Why Choose Lendco for SMSF Property Finance?
Access to SMSF-friendly lenders across banks and specialist providers
Competitive rates and flexible terms negotiated on your behalf
Guidance on compliance to ensure loans meet ATO and superannuation requirements
Tailored structures for residential or commercial SMSF investments
End-to-end support with brokers who understand the complexity of SMSF lending
SMSF loans require additional steps compared to standard home or investment loans, but with the right advice and support, they can be a highly effective wealth-building strategy.
What Can SMSF Loans Be Used For?
The SMSF Loan Process
01
02
Initial Consultation
We discuss your SMSF strategy and property goals.
Compliance Check
Ensure your SMSF is eligible and structured for property investment.
03
04
Compare Options
We review SMSF loan products across 60+ lenders.
Negotiate Terms
We secure competitive rates and structures to fit your fund’s cash flow.
05
Approval & Settlement
Once approved, we support you through settlement and ensure documentation meets compliance standards.
Key Considerations for SMSF Loans
Investing through an SMSF comes with unique rules and responsibilities. Important factors include:
Compliance with superannuation law — properties must meet the sole purpose test for retirement savings.
Loan structures — SMSF loans must use limited recourse borrowing arrangements (LRBAs).
Deposit requirements — lenders usually require a higher deposit (often 20–30%) than standard loans.
Cash flow planning — rental income and SMSF contributions must cover loan repayments and expenses.
Ongoing obligations — trustees must ensure the fund remains compliant with ATO regulations.
At Lendco, we work alongside your financial adviser and accountant to ensure every aspect of the loan is structured correctly.
Why Work With a Broker Instead of Going Direct?
SMSF lending is complex, and not all banks offer these loans. By working with Lendco, you access a wide panel of SMSF-friendly lenders, gain clarity on the process, and avoid costly mistakes. We liaise with your advisers, negotiate on your behalf, and provide a smooth, transparent pathway to property investment through super.
Take Control of Your Super With SMSF Finance
Your super is one of your biggest assets. With the right SMSF loan, you can leverage it to build long-term wealth through property investment. At Lendco Finance, we combine expertise, lender access, and personalised service to help you unlock the potential of your superannuation.
07 3544 6968
hello@lendcofinance.com.au
