SMSF Loan
Flexible SMSF Loans Tailored for Your Self-Managed Super Fund.
Let stellar finance group help you unlock the power of your self-managed super fund (SMSF) to invest in residential and commercial property.
Buy Property in Super
Australians are passionate about real estate investment, and SMSF loans can turn property ownership dreams into reality. Ideal for both commercial and residential properties, SMSF loans are a smart move for your retirement strategy.
Buy Residential
Investing in property could yield high returns with low risk. Real estate offers potential for capital growth and steady rental income, making it a strategic choice for securing your future, especially as the benefits kick in upon retirement.
Buy Commercial
This is a smart move for business owners. Buy commercial property with SMSF loans and rent it to your business. Enjoy deductible market-rate rent payments from your company's revenue - say goodbye to landlords and rental worries.
Know the Rules
SMSF loans come with four key rules…
1. Properties must solely provide retirement or death benefits to SMSF beneficiaries.
2. Residential properties cannot be bought from, lived in, or rented by SMSF members or their related parties.
3. The property must not be a single acquirable asset.
4. Commercial properties can be purchased from or leased to SMSF members if done at fair market value and used only for business purposes.
For more information on related loan options, such as low-doc loans, you can visit this page.
What Are SMSF Loans?
SMSF loans are specialised property loans designed for self managed super funds, allowing you to invest in residential or commercial property through your superannuation. Unlike traditional home loans, SMSF loans operate under limited recourse borrowing arrangements (LRBAs), meaning the property is held in a separate bare trust while the loan is active.
This unique structure protects your SMSF’s other assets and ensures compliance with Australian Taxation Office (ATO) rules. SMSF loans open doors to greater investment control, tax advantages, and long-term capital growth, making them a popular choice for SMSF trustees looking to diversify their retirement savings.
Learn More
Key Benefits of SMSF Loans:
- Access property investment opportunities using your superannuation
- Potential tax advantages within your SMSF structure
- Borrow up to 70–80% of the property’s value
- Control over fund investments and loan terms
- Suitable for both residential and commercial properties
At Stellar Finance Group, we guide SMSF trustees through every step, helping you understand the requirements and secure the right loan product tailored to your fund’s financial situation and goals.
How to Apply for a Loan as a Lawyer
1. Set Up or Review Your SMSF
Before applying for an SMSF loan, your self managed super fund must be properly established. If you’re starting from scratch, our team can assist with SMSF setup, ensuring your structure meets ATO and lender requirements. For existing funds, we’ll review your SMSF trust deed to confirm it permits property investment using borrowed funds. This is a crucial foundation for moving forward.
2. Create a Bare Trust for Limited Recourse Borrowing
SMSF loans must operate under a limited recourse borrowing arrangement (LRBA). This means the property is held in a separate entity, often referred to as a bare trust or custodian trust. The bare trust legally owns the property during the life of the loan, protecting your SMSF’s other assets in case of default. We’ll work with your legal and accounting team to ensure this structure is correctly implemented.
3. Assess Your Borrowing Power
Unlike traditional home loans, SMSF borrowing is assessed based on the fund’s ability to make loan repayments. This includes examining your contribution history, available funds, projected rental income, and expenses. We’ll help you understand your fund’s borrowing capacity and recommend a suitable loan amount that aligns with your retirement strategy and cash flow.
4. Choose the Right SMSF Loan Product
From fixed to variable interest rates and flexible loan terms, there are a range of SMSF home loan and investment loan options available. Our lending specialists compare products across SMSF-friendly lenders to find the best structure for your needs. Whether you’re investing in residential or commercial property, we help you choose a loan solution that supports both compliance and performance.
5. Apply for SMSF Loan Pre-Approval
Getting pre-approval provides your SMSF with a clear budget and strengthens your position when making property offers. During this stage, we prepare your SMSF loan application and submit supporting documents like your fund’s financial statements, bare trust deed, and investment strategy. We work closely with lenders who understand SMSF lending and ensure your application is reviewed efficiently.
6. Secure the Property and Finalise the Loan
Once you’ve found the right investment property, we guide you through finalising the SMSF property loan. From signing contracts to coordinating with your accountant and solicitor, we ensure every step is compliant and streamlined. Once settlement is complete, the property is held in the bare trust and generates income for your fund, helping you build wealth for retirement.
Who We Are
DR. LISA BRIDGETT
Since 2017, Stellar Finance Group has specialised in delivering tailored mortgage and finance solutions for professionals looking to grow their wealth through smart property investment, including those using self managed super funds (SMSFs). Based in NSW, we are a trusted mortgage broker dedicated to helping SMSF trustees and borrowers navigate complex lending requirements.
With over 20 years of combined experience, our team understands the unique financial challenges faced by SMSF investors and self-employed individuals. We focus on personalised SMSF loans and tailored borrowing strategies designed to fit your fund’s financial situation and retirement goals.
At Stellar Finance Group, we don’t just secure loans, we build long-term financial strategies, combining expert advice, strong lender relationships, and flexible SMSF loan solutions to support your investment journey. Your fund’s future success is always at the centre of everything we do.
How SMSF Loans Work
Your Partner in SMSF Property Investment
SMSF loans are designed for trustees who want to leverage their self managed super fund to invest in property but may face unique lending criteria. Instead of relying on personal income verification, lenders assess the SMSF’s financial position, including fund contributions, investment strategy, and cash flow from rental income.
The lending process involves providing documentation such as:
- SMSF trust deed and financial statements
- Bare trust or custodian trust agreements
- SMSF investment strategy and fund member contributions
This specialised documentation ensures compliance with ATO rules and enables trustees to access property loans that fit their SMSF’s circumstances. Whether you’re applying for an SMSF home loan, commercial property loan, or refinancing an existing SMSF loan, our tailored SMSF lending solutions simplify the process while maintaining compliance and competitive terms.
At Stellar Finance Group, we partner with a wide network of lenders who specialise in SMSF property loans. Our expertise means your loan application is managed efficiently, with careful attention to the complexities of SMSF lending and borrowing structures.
Hear From Our Clients
Lisa has a fantastic way of tuning into needs and ensuring we have confidence in our important decisions, through being well informed and not rushed. Lisa really made us feel assured and helped to break down any knowledge barriers, making us feel in control of our decisions. Thank you Lisa for your ongoing support and helping to build a positive future for our family!
Wayne Jones
From the moment you first meet, Lisa will be here to inform you, guide you and along with you, make your financial dreams come true. Sam Asadollahi recent experienced this when he asked Lisa to help him with purchasing his first property.
Sam Asadollahi
Got a dream? Lisa and her team can help you make it happen. I can’t think of a better person to have on my team to achieve my goals. Her hard work and determination bring results and she always has plan B and C (at least!) to make sure she can make things happen for you. Her team are excellent, keeping you well informed in the progress of negotiations and very responsive. I can’t recommend Lisa and her team enough!
Jennifer Hsu
Lisa was awesome in the way she carried out her services. She was fully engaged from the very first meeting in understanding our needs to then take us through options in the market and eventually help us choose the right product. The whole process was well defined and managed by Lisa and her team all the way till we settled. If you are on the lookout for a professional who knows the mortgage industry well, spends time to understand your needs and maintains a proactive communication at every step of the process, then Lisa should be your choice for a broker. I highly recommend the services of Lisa Bridgett and thank her for the efforts.
Babu Narayanan
It was an absolute pleasure working with Lisa on our loan financing. Lisa is extremely professional, dedicated and knowledgeable. We were very impressed with how responsive Lisa always was (and still is) to all our questions and we valued the fact that we could communicate with her outside of the normal working hours. We would recommend Lisa highly to anyone in need of mortgage financing.
Magda Louw
Lisa Bridgett is all about making her clients’ life easier! From the moment you first meet, Lisa is there to inform you, guide you and along with you, to make your financial dreams come true. Hear what her client Renee Vella has to say.
Renee Vella
Frequently Asked Questions
What is an SMSF loan?
An SMSF loan is a property loan designed specifically for self managed super funds. It allows your SMSF to borrow money under a limited recourse borrowing arrangement (LRBA) to purchase residential or commercial property. The property is held in a bare trust until the loan is fully repaid.
Who can apply for an SMSF loan?
Any compliant SMSF with a valid trust deed and investment strategy can apply. Trustees must ensure their fund has sufficient contributions and reserves to cover loan repayments and property-related expenses.
What types of properties can an SMSF purchase with a loan?
SMSFs can invest in both residential and commercial properties, provided the investment meets the fund’s sole purpose test and is solely for retirement savings. The property cannot be used for personal purposes by fund members or their relatives.
How much can my SMSF borrow?
Most lenders allow SMSF loans up to 70%–80% of the property’s market value, depending on the lender and the SMSF’s financial position. Loan amounts also consider your fund’s ability to service repayments.
Are SMSF loans more expensive than traditional loans?
SMSF loans typically have slightly higher interest rates and fees due to the added complexity and legal structures involved. However, working with an SMSF lending specialist like Stellar Finance Group can help you secure competitive rates and minimise costs.
What documents are required to apply for an SMSF loan?
Common documents include your SMSF trust deed, recent financial statements, bare trust agreements, investment strategy, and proof of fund contributions. Additional lender-specific documents may also be required.
Can I refinance an existing SMSF loan?
Yes, SMSF loans can be refinanced to access better interest rates, improve loan terms, or consolidate debts. We help SMSF trustees review options and manage the refinancing process smoothly.
Do I need a mortgage broker for an SMSF loan?
While not mandatory, using an SMSF lending specialist mortgage broker can simplify the process, ensure compliance with superannuation laws, and connect you with lenders experienced in SMSF loans. Stellar Finance Group offers expert guidance tailored to your SMSF’s needs.
Why Choose SMSF Loans?
An SMSF loan offers a flexible borrowing solution for trustees wanting to grow their retirement savings through property investment. Unlike traditional loans, SMSF loans focus on the fund’s financial health rather than personal income, making them ideal for self-employed professionals and business owners with complex income streams.
Our mortgage brokers specialise in guiding SMSF trustees through the loan application process, ensuring your fund’s unique structure and financial situation are fully understood and accommodated. With expert advice, you can secure an SMSF loan product that aligns with your investment strategy, borrowing capacity, and long-term retirement goals.
Why Choose Stellar Finance Group for SMSF Loans?
Stellar Finance Group is a trusted mortgage broker specialising in SMSF lending across Australia. We understand the financial complexities trustees face when borrowing inside a self managed super fund, whether you’re purchasing your first SMSF property or refinancing an existing loan.
Unlike generic lenders, we offer personalised loan options specifically designed for SMSF trustees, combining flexibility, speed, and thorough compliance support. We work closely with you to assess your fund’s borrowing power, present the best loan solutions, and simplify your application.
Whether your goal is to invest in residential or commercial property through your SMSF, our experienced brokers guide you through Australia’s competitive SMSF lending market, helping you secure finance that fits your fund’s structure, financial situation, and retirement plans.
Speak to Us
Experienced SMSF Loan Broker You Can Trust
Lisa Bridgett is your trusted mortgage broker specialising in SMSF loans and property finance. Contact Stellar Finance Group today, your reliable partner for tailored, professional SMSF loan advice. Whether you’re purchasing your first SMSF property, refinancing an existing loan, or expanding your investment portfolio, we’re here to guide you every step of the way.
