SMSF Property Loans Made Simple
At Loans360, we help you unlock the power of your superannuation to build long-term wealth through SMSF loans. Our expert broker guides you through the entire process. From loan structuring to lender selection, so you can invest in residential or commercial property with your Self-Managed Super Fund (SMSF), compliantly and strategically.
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Why Choose Loans360 for Your SMSF Loan?
Expert SMSF Loan Structuring
We work with your financial adviser or accountant to ensure the loan meets all ATO and legal requirements.
Access to Specialist Lenders
Not all banks offer SMSF loans, we partner with lenders who specialise in SMSF lending and offer competitive rates.
One Dedicated Broker
You’ll work with a single, experienced broker who understands the complexities of SMSF lending and handles everything for you.
End-to-End Support
From pre-approval to settlement, we guide you through property selection, bare trust setup, and loan compliance.
What Is an SMSF Loan? And What Can You Use It For?
An SMSF loan allows your super fund to borrow money to invest in residential or commercial property. SMSF loans can be a powerful strategy for long-term, tax-effective wealth building.
Residential Investment Property
Buy houses or units to rent out, in line with SMSF rules.
Commercial Property for Your Business
Purchase your business premises through your SMSF and lease it back to your company at market rates.
Property Portfolio Diversification
Add property to your SMSF investment mix and benefit from long-term capital growth.
Our SMSF Loan Process
- Initial Consultation
We assess your SMSF structure and goals, ensuring your fund is eligible and compliant for borrowing.
- Structuring the Right Loan
Our broker works with your accountant to create a compliant bare trust and LRBA structure.
- Compare Specialist SMSF Lenders
We access a wide panel of SMSF lenders and help you choose the most competitive loan for your fund.
- Loan Approval & Property Settlement
We manage the paperwork, liaise with your solicitor and conveyancer, and ensure everything is ready for a smooth settlement.
Key Benefits of an SMSF Loan
Tax-Effective Wealth Growth
Potential capital gains and rental income taxed at concessional SMSF rates (15% or 0% in pension phase).
Limited Recourse Protection
The lender's rights are limited to the property itself, not your entire super fund.
Rental Income Goes Back into the Fund
All rental income and capital gains flow back into your superannuation account.
Diversified Investment Strategy
Add property to your SMSF portfolio for stability and long-term growth.
SMSF Loan Eligibility Criteria
Compliant SMSF & Strategy
Bare Trust Must Be Established
Sufficient Deposit Required (20–30%)
Investment Use Only
Start Growing Your Super Through Property
Loans360 Loans360 makes SMSF lending easy, compliant, and no-hassle. With one broker managing the entire process, you can focus on building wealth for retirement with confidence.
Rated 5 out of 5 stars by our customers!
At Loans360, we’re more than just mortgage brokers - we’re your trusted partners every step of the way. From your first consultation to annual reviews long after your settlement, we’re dedicated to providing personalized service and building relationships that last.We know choosing the right mortgage broker is a big decision. Don’t just take our word for it - hear from hundreds of our happy clients through their genuine Google reviews. You can be confident you’re in the right hands with Loans360.
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Nishi has always been great at what she does! She has saved us 1000s of dollars in the last few years. She is very responsive and great to work with! Highly recommend her.
2 months ago
Nishi made our refinancing a very easy, stress-free process. Communication was 100% always there to answer any questions and contacted us straight away with all updates. It was a pleasure working with Nishi with our finances, definitely were in good hands ! 👏❤️
6 months ago
Nishi is an awesome broker , her attention to details , honest and quick feedback is impressive . She works hard for her clients and always looks for the deal the will work for you. So far she helped me and many of my family and friends with home loans and recently my car loan 😊 they all speak highly of her too . she is our one and only , thank you Nishi 👌
4 months ago
Nishi has been a massive help in not only making the process of buying my first house as clear and convenient as possible, but also served as a great and accessible contact to assist in explaining all the stages and terminology that I was not familiar with.
6 months ago
Nishi was an absolute joy to work with from start to finish. Her absolute professionalism, friendlines, diligence and unwavering support made the process of buying our home so much easier and straightforward - it really took so much of the stress away from the process for us. She is always available if you have any questions, her responsiveness is impressive and her expertise is invaluable. Thank you so much, Nishi, for all of your support - we couldnt have done it without you!
7 months ago
Nishi is a great reassuring help when entering into the industry for the first time. Nishi was extremely passionate, educational and prompt in all of her documentation and advice that she provided. She went above and beyond to ensure I felt comfortable and was making the best decision to benefit my own personal circumstances. Nishi was never judgemental and encouraged questioning to ensure clarity and understanding was reciprocated. Thank you Nishi for your assistance. I am positive to be dealing with Nishi again in the near future!!
4 months ago
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