Your self-managed super fund can borrow to buy an investment property, but only through a specific structure and with a smaller pool of lenders. Deposits are typically 20% to 30%, and we work alongside your accountant or adviser.
SMSF loans are more complex than standard investment loans because of strict lending criteria, legal structures and compliance obligations. The property is held in a separate holding trust under a limited recourse borrowing arrangement, so the lender's claim is limited to that property.
| A fund that complies with ATO rules, and a trust deed that allows borrowing |
| A corporate trustee, which most lenders prefer or require |
| Enough in the fund for the deposit, typically 20% to 30%, plus costs and a cash buffer |
| Evidence of the fund's income and investment strategy |
The property rules: it must be for investment only. You cannot live in a residential property the fund owns, or rent it to a family member. Commercial property can be leased to a related business at market rent.
For trustees buying property through a self-managed super fund.
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Starts with a free assessment
The lender that funds your loan pays us a commission when it settles. If a fee ever applies, for example on a complex or commercial loan, it is agreed in writing before any work starts, and our credit guide sets out exactly how we are paid.
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