Buy Property Through Your Super with Expert Guidance, Smart Structures & Total Peace of Mind
Investing through a Self-Managed Super Fund (SMSF) is a powerful strategy, but the process is very different from a standard home or investment loan. Lenders have stricter requirements, the legal structure is more complex, and even small mistakes can lead to delays – or worse, penalties from the ATO.
That’s why it’s so important to work with a broker who understands not just lending, but the unique rules around SMSF borrowing.
At Mortgage Pass, we guide you through the process from end to end. Whether you’re buying residential or commercial property, we work alongside your accountant and financial adviser to ensure everything is set up correctly, compliant with superannuation laws, and aligned with your long-term retirement goals.
SMSF lending isn’t just about getting approved – it’s about structuring the loan in a way that protects your fund and sets you up for sustainable growth. Mortgage Pass helps you navigate all the moving parts, including:
Choosing the right lender for your fund’s investment strategy
Understanding contribution rules and minimum liquidity requirements
Coordinating with your legal and financial team to ensure compliance
Running borrowing power calculations tailored to your fund’s position
Managing the timeline so settlement stays on track
We simplify the complex so you can move forward with confidence, knowing your SMSF loan is built on the right foundations.
Many clients come to us not just for a loan – but for a long-term partner in their investment journey. That’s why our service doesn’t end at settlement. Whether you’re exploring refinancing, purchasing a second SMSF property, or reviewing your portfolio performance, we’re here to help your strategy evolve as your fund grows.
With deep product knowledge and a clear understanding of ATO-compliant lending structures, Julie helps clients make smarter decisions at every stage. And because we stay up to date with lender appetite, government changes, and superannuation rules, you’ll always have the clarity to move forward with confidence.
For many Australians, superannuation feels like something that happens in the background. But with the right structure, your SMSF can become a powerful vehicle for wealth creation – and property is one of the most tangible, reliable ways to grow it.
At Mortgage Pass, we help you turn your super into something real. A property you can drive past. A rent return you can count on. A strategy you can understand. Whether you’re just starting your SMSF journey or adding a second property to your portfolio, our goal is simple: help you retire with more freedom, more income, and more control.
This isn’t just about ticking lending boxes. It’s about helping you make smarter decisions today that give you more choices tomorrow. We’ll guide you through every step – so your retirement isn’t left to chance, it’s built with purpose.
EXCELLENT Based on 39 reviews Senija ArapovicTrustindex verifies that the original source of the review is Google. Julie was absolutely amazing so lovely, friendly, and caring. She guided us through the loan process, helped reduce our rates, and made everything so much easier. I initially assumed we’d have to pay her directly, but to my surprise, that wasn’t the case what a relief! Thanks to her efforts, we’re in a much better position, and the entire process was incredibly smooth and quick. Highly recommend! Rose AtlagicTrustindex verifies that the original source of the review is Google. Great service and full of knowledge! It didn’t feel as though you were just a number. Once we fleshed out my goals, very sound advice was given. Would highly recommend! Teejay OTrustindex verifies that the original source of the review is Google. I was very impressed with the professional attitude Julie showed during my time in her organizing a loan for me, she communicated with me at every turn and guided me through the whole process, I recommend Julie to whoever wants to get a loan. Teejay Khalid BARBOUR (DFP GROUP PTY LTD)Trustindex verifies that the original source of the review is Google. Julie goes far and beyond to help, and i can't believe how much she cared about getting us the loan we needed. Can't thank her enough. I definitely recommend her to anyone looking for a loan. Athena PlessasTrustindex verifies that the original source of the review is Google. I highly recommend Mortgage Pass, where do I start with exceptional caring and honest finance brokers. They are rare, I want to express my gratitude to Julie who has helped me with my finances and recommending a real estate agent and solicitor to help me with my situation first. Above all she has helped me with this life changing journey with investment property finance securing my future. She was extremely patient, knowledgeable, and always answered my calls and silly questions. More than 5 out of 5 star! Thank you, Julie. I highly recommend Julie, she was outstanding in her dealing with my situation. She is very professional, looked out for my well being and made sure my best interest was priority. She was easy to understand and explained the information I needed to make sound decisions with confidence. Her nature was easy and open to listening to my needs and concerned to help me with my journey. So happy she got the job done for me, now my investment is sound Belinda SmithTrustindex verifies that the original source of the review is Google. I had an exceptional experience working with Julie as my broker. From the very beginning, she demonstrated professionalism, knowledge, and a genuine commitment to helping me achieve my financial goals. She is always available to answer my questions patiently, providing clear and concise explanations that made complex financial concepts easy to understand. What really stood out to me was her attention to detail and personalized approach. She took the time to understand my situation. I never felt rushed or pressured into making decisions and her guidance gave me confidence throughout the entire process. She is honestly the best!! Couldn't recommend her more Teresa ScuderiTrustindex verifies that the original source of the review is Google. Julie was ana absolute pleasure to deal with. She made the whole process so easy and helped us every step of the way. The amount of attention and detail she puts in and works with your schedule was such a blessing. Thought the whole process she made sure she communicated clearly and was always available for any questions we had. Thank you Julie for helping us make our dream come true. Natalie BouchahineTrustindex verifies that the original source of the review is Google. Outstanding service! Julie was kind and generous with her time and went above and beyond for my company and I. Thank you Julie, looking forward to working together again in the future! Heath McinerneyTrustindex verifies that the original source of the review is Google. Julie & her team organised company finance for vechile purchases . As one can expect with multiple directors getting all our ducks in a row was made easy by Julie’s hard working team as she made the whole process run smoothly & without delay . Thank you Julie you while hear from as soon as we look to expand our business into new premises 😎 Robert DonovanTrustindex verifies that the original source of the review is Google. Julie has to be the best Broker I have ever worked with and trusted my finances to! Any issue of mine she has gone above and beyond to resolve and there have been many, she has never failed to surpass my expectations!! If you want top quality service from a lady with a great sense of generosity, look no further! I can’t wait to see my new car!!! 😊
Investing through your Self-Managed Super Fund doesn’t need to be complicated. Whether you’re purchasing your first property within your SMSF or looking to refinance for better returns, Mortgage Pass is here to guide you every step of the way.
With expert advice and a personalised strategy, we’ll help you unlock smart opportunities and make your retirement future even stronger.
Here’s how it works:
1️⃣ Book your free consultation with Julie, your trusted Sydney business loan broker.
2️⃣ Complete a guided online application – fast, easy, and tailored to your needs.
3️⃣ Receive a clear finance strategy with lender options, rates, repayments, and next steps.
✔️ Simple.
✔️ Personalised.
✔️ Designed to suit your SMSF goals.
Yes, it’s possible to get an SMSF loan in Sydney to purchase residential investment property, but strict rules apply. The property must be for investment purposes only—you can’t live in it or rent it to a family member.
To qualify for an SMSF loan, your fund must be compliant with ATO regulations, have a corporate trustee, and enough balance to cover the deposit (typically 20–30%) and loan-related costs. Lenders also assess your fund’s income and strategy.
Yes, you can refinance your SMSF loan to access lower rates, better terms, or more flexible features. A mortgage broker experienced with SMSF loans—like Mortgage Pass—can help you compare lenders and streamline the process.
SMSF loans are generally more complex than standard investment loans due to strict lending criteria, legal structures, and compliance obligations. That’s why working with a specialist broker is crucial to navigating the process efficiently.
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Suite 1/219 Merrylands Rd Merrylands 2160
Lv2, 263 Clarence Street Sydney 2000
At Mortgage Pass, we specialise in simplifying finance for business owners, professionals, and tradies by offering tailored mortgage and business finance solutions designed to meet your unique needs.
Our focus is on helping you achieve your financial goals by securing the right home or business finance, all while providing a personalised, client-first experience backed by nearly 20 years of business experience.
J Gear Pty Ltd T/As Mortgage Pass ABN 32 087 513 951 (Credit Representative Number 526611) is authorised under Mortgage Specialists Pty Ltd ABN 48 612 422 178 (Australian Credit Licence 387025)
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