SMSF Loans
Buying property through your self-managed super fund can be one of the most powerful wealth-building strategies available to Australian investors. It can also be one of the most costly to get wrong.
We help SMSF trustees across the South Coast structure their borrowing correctly, work with the right lenders and make sure every part of the transaction satisfies both the lender and the ATO from day one.
Lending Strategy is What Separates a Good SMSF from a Great One
Most SMSF trustees who come to us have already done their research. They understand the concept of a limited recourse borrowing arrangement. What they often do not have is a broker who knows which lenders are genuinely active in this space, what those lenders actually require and how to present the application in a way that moves efficiently through to approval.
That specialist knowledge is what we bring.
SMSF Loan Broker Services
We help SMSF trustees looking to purchase property through their fund with every part of the lending process, including:
Assessing whether your SMSF meets the minimum requirements to borrow
Identifying lenders currently active in SMSF lending and comparing their products
Structuring the limited recourse borrowing arrangement correctly
Coordinating with your accountant and SMSF administrator throughout the process
Managing the application from submission through to settlement
Advising on the ongoing compliance implications of holding property in your SMSF
Limited Recourse Borrowing Arrangements Explained
An SMSF cannot take out a standard mortgage. Instead it uses a limited recourse borrowing arrangement, or LRBA, which is a specific legal structure where the property is held in a separate bare trust until the loan is fully repaid. The lender's recourse in the event of default is limited to the asset being purchased, protecting the other assets held in the fund.
This structure adds legal complexity and cost to the transaction. It also requires your SMSF to have sufficient liquidity after the purchase to meet ongoing compliance obligations and contribution requirements. We work through all of this with you before any application is submitted.
Is Buying Property Through Your SMSF Right for You?
SMSF property lending is not the right strategy for every fund or every trustee. Before recommending it, we consider:
Whether your fund balance is sufficient to support the purchase and ongoing obligations
Whether the property fits the sole purpose test required by the ATO
Whether the strategy aligns with your retirement income goals
Whether the cash flow from the property supports the fund's liquidity needs
Whether your existing advisors, including your accountant and financial planner, support the strategy
We work alongside your existing advisors rather than across them. If SMSF property lending is not right for your situation, we will tell you clearly and early.
SMSF Commercial Property Loans
Business owners have a specific advantage when it comes to SMSF property. A fund can purchase the commercial premises the business operates from, with the business paying rent to the fund at market rates. This keeps the asset inside super, generates income for the fund and builds equity over time in a tax-effective environment.
SMSF commercial property loans have their own lender requirements and documentation. We structure these transactions regularly for business owners across the South Coast.
Why SMSF Trustees Choose Shorebreak Finance
We are a locally owned mortgage broker based in Berry. SMSF lending is a specialist area and we treat it as one. We work closely with your accountant, financial planner and SMSF administrator to make sure every part of the transaction is structured correctly and that nothing falls through the gaps between advisors.
Many of our SMSF clients came to us first as property investors or home loan clients. That existing knowledge of their financial position means we can move through the SMSF process more efficiently and with greater confidence on both sides.
Relationships that speak for themselves
“Ron and his team have been incredibly efficient and so easy to deal with. We had our loan approved in less than 2 weeks from start to finish and the money is already in our account from the bank. The process was simple and streamlined. Nothing was a hassle. Thanks so much Ron and team! I can't recommend these guys enough!”
— Jess R.
“Ron and Josie and the team are Shorebreak have really been excellent throughout my property buying process. They are really genuine, get things done fast and are always quick and easy to communicate with. They got me a great result with my loan. Highly recommend.”
— Reinaldo C.
“I would like to commend Chris on all his hard work and effort making this loan possible for me. He went above and beyond to help in every way he could and I am very grateful. He kept me informed every step of the way and made the process as smooth as possible. 5 stars would not be enough for the magnificent job he did. I would recommend Chris 100% anytime.”
— Ivanka P.
Thinking About Buying Property Through Your SMSF? Let's Talk It Through
This is not a decision to make quickly. Start with a coffee and we will give you an honest assessment of whether it makes sense for your fund and your situation.
