SMSF Loans
At New Age Mortgage Brokers (NAMB), we help Australians take control of their retirement by investing through Self-Managed Super Funds (SMSFs). With the right SMSF loan, you can purchase residential or commercial property inside your super and grow your retirement wealth with greater flexibility and control.
Take control of your retirement wealth with SMSF lending solutions
Our team will guide you through the rules, structure, and lending options available, ensuring your SMSF loan is compliant while tailored to your financial goals.
Invest in residential property to grow your retirement savings
With an SMSF residential property loan, you can purchase houses, townhouses, or apartments that generate rental income within your super fund. These loans allow your rental income and contributions to help pay off the property, building long-term retirement wealth. At NAMB, we’ll help you navigate lender requirements, tax considerations, and borrowing structures so your investment strategy is strong and compliant.
Secure your future with commercial property investments
SMSFs are often used to purchase commercial properties, such as offices, warehouses, or retail spaces. For business owners, this can even mean buying your own business premises through your super fund, providing security and tax benefits. At NAMB, we’ll help you access lenders who specialise in SMSF commercial loans, ensuring the loan structure works in your favour while protecting your retirement funds.
Restructure your SMSF loan for better terms
If you already have an SMSF loan but want lower interest rates, more flexible repayments, or improved cash flow, refinancing may be the answer. Our brokers work with a wide range of lenders to find competitive options that fit within strict SMSF regulations. Refinancing can reduce costs and improve the overall performance of your SMSF portfolio.
Understand what you need before applying
SMSF loans have strict lending criteria and compliance requirements, including minimum fund balances, contribution levels, and property restrictions. At NAMB, we’ll walk you through eligibility, lender documentation, and legal obligations so you know exactly where you stand. We simplify the process and give you confidence before applying.
Guiding you through your first SMSF investment
If you’re new to managing an SMSF, the process can feel complex. Our team specialises in helping first-time trustees understand their responsibilities, from loan structures to property rules and compliance. We’ll guide you step by step, ensuring your first SMSF investment is smooth and successful.
Maximise your superannuation potential
An SMSF loan isn’t just about buying property—it’s about building long-term retirement security. By strategically selecting the right property and structuring the loan properly, you can increase rental income, reduce tax, and achieve significant capital growth inside your super. At NAMB, we’ll help you build a tailored SMSF loan strategy designed for financial freedom in retirement.
Find 40 lenders all in one spot.
Frequently Asked Questions – SMSF Loans
Here are some of the most common questions trustees and investors ask us at New Age Mortgage Brokers (NAMB) about SMSF loans. If you don’t see your question here, you can always check out our full FAQ guide or reach out to our team for expert guidance tailored to your fund.
How much can my SMSF borrow?
The amount your SMSF can borrow depends on factors such as the value of the property, the balance of your fund, and the lender’s loan-to-value ratio (LVR) requirements. Most lenders typically allow SMSFs to borrow up to 70–80% of the property’s value, with the remainder needing to come from the fund as a deposit. Your rental income and super contributions are also assessed to ensure the fund can comfortably service the loan.
What fees and charges should I expect with an SMSF loan?
SMSF loans usually come with higher costs compared to standard home loans. Common expenses may include:
- Loan application and settlement fees
- Legal and compliance costs specific to SMSF lending
- Property valuation fees
- Ongoing loan administration or account-keeping fees
In addition, trustees will need to budget for SMSF setup or structuring costs (if not already in place), as well as stamp duty, solicitor fees, and government charges, which cannot be added to the loan balance.
How are SMSF loan interest rates calculated?
Interest rates for SMSF loans are often higher than standard residential or investment loans due to the specialised nature of these products. Lenders typically assess factors such as:
- The property’s value and proposed LVR
- Rental income potential of the property
- Contributions made to the SMSF
- The overall financial health of the fund
- Loan type (residential vs. commercial property)
At NAMB, we work with multiple lenders to help you find competitive SMSF loan rates that suit your investment strategy.
Can I apply for an SMSF loan through a broker?
Yes. In fact, using an experienced mortgage broker like NAMB can make the SMSF loan process much smoother. SMSF lending involves strict compliance rules and detailed documentation, which can be overwhelming. We simplify the process by managing lender requirements, ensuring your loan application is structured correctly, and helping you avoid costly mistakes.
How much deposit does my SMSF need?
Most SMSF lenders require a minimum deposit of 20–30% of the property’s value, depending on whether you’re purchasing residential or commercial property. Remember, the deposit must come from your SMSF’s balance, not personal funds. You’ll also need additional liquidity left in the fund after the purchase to meet ongoing obligations like loan repayments, property expenses, and compliance costs.
How do I compare SMSF loan options?
When comparing SMSF loans, it’s not just about the interest rate. You’ll also need to consider:
- Loan-to-value ratio (LVR) requirements
- Loan fees and charges
- Flexibility in repayment structures
- Whether the lender supports residential or commercial SMSF property
- Ongoing compliance and reporting obligations
Even a slight difference in costs or features can significantly affect your SMSF’s long-term investment returns. Our team at NAMB can provide a clear comparison and help you choose the loan that aligns with your retirement goals.