Unlock the Best SMSF Home Loans in 2026
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SMSF home loans allow your self-managed super fund to invest in property without the hassle—perfect for Gold Coast investors building retirement wealth. At Fundsie, we’re specialist mortgage brokers helping with SMSF home loans, including limited recourse borrowing arrangements (LRBAs) for residential or commercial properties from 60+ lenders.
With competitive rates and flexible options for trustees, we handle compliance, eligibility checks (e.g., ATO rules on SMSF borrowing), and paperwork to ensure your SMSF stays on track. For more on current options and comparisons, see the Money.com.au SMSF loans guide.
Whether buying your first investment property or refinancing an existing SMSF home loans setup, our transparent advice puts your fund first—no jargon, no hidden fees.
Ready to explore SMSF home loans options? Get your free, no-obligation assessment today. Call us or book a quick chat!
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Why Invest in Property Through Your SMSF? Key Benefits
It’s not for everyone, but for the right investor, SMSF Home Loans can be a smart long-term move. We’ll help you decide if it makes sense—and guide you through every step of the process if it does.
What You Can (and Can’t) Do with SMSF Home Loans!
What You Can Do!
Your SMSF can borrow via an LRBA to invest in property, provided you follow these key allowances:
- Acquire a single acquirable asset (e.g., one residential or commercial property, or a collection of identical assets like multiple units in the same strata title with the same market value).
- Hold the property in a separate holding trust (bare trust) — the SMSF has beneficial interest, but legal title sits outside the fund until the loan is repaid.
- Borrow only under limited recourse terms — if the fund defaults, the lender’s claim is restricted to the property (protecting other SMSF assets).
- Use borrowed funds for purchase, plus reasonable repair/maintenance costs (as long as they don’t change the asset’s character significantly).
- Repay the loan over time with rental income or other fund contributions, building equity in the property for long-term retirement growth.
- Benefit from concessional tax treatment on rental income (15% in accumulation phase) and potential CGT discount (effective 10%) or tax-free gains in pension phase.
- Lease commercial property to related parties (e.g., your business) if on arm’s-length commercial terms.
What you can't do!
ATO rules are strict to prevent personal benefit or excessive risk—here are the main prohibitions:
- Borrow for general purposes or beyond limited exceptions (e.g., no borrowing for renovations that substantially improve/alter the property, or for multiple unrelated assets).
- Use the property for personal benefit — no living in it, holidaying, or renting to related parties (e.g., family members) for residential property (even at market rent, with rare pre-existing exceptions).
- Make improvements or developments using borrowed funds — funds must go toward acquisition or basic maintenance only.
- Provide recourse beyond the asset — the loan can’t expose other SMSF assets if default occurs.
- Breach the sole purpose test — any personal use, non-arm’s-length dealings, or non-retirement benefit could invalidate the fund’s complying status.
- Transfer existing personally-owned property into the SMSF via borrowing (in-house asset rules and related-party restrictions apply).
- Ignore compliance — failure to maintain proper records, valuations, or investment strategy can trigger audits, penalties, or loss of tax concessions.
As your SMSF home loans specialist on the Gold Coast, Fundsie ensures full ATO compliance when structuring LRBAs—comparing 60+ lenders, checking eligibility, and coordinating with your accountant/auditor for a smooth, risk-managed process.
Unsure if your strategy fits these rules? Get your free SMSF home loans review today—we’ll outline what’s possible and what to avoid.
Ready to Explore SMSF Home Loans?
Get your free, no-obligation SMSF home loan assessment today.
As your specialist Gold Coast mortgage broker, Fundsie will review your super fund’s strategy, check LRBA eligibility, compare options from 60+ lenders, and guide you through compliance – so you can invest in property with confidence and clarity.
Call us now or book a quick chat – let’s see what’s possible for your retirement.
How the SMSF Lending Process Works
- Set up your SMSF & trustee structure: If not already done, we’ll work with your accountant or adviser
- Establish a bare trust (custodian trust): Required for holding the property until the loan is repaid
- Secure pre-approval with a lender: We’ll handle this
- Choose the right property: Commercial or residential, depending on your fund’s strategy
- Loan settlement & compliance check: We manage the finance, documentation, and ATO requirements
- Ongoing support: We’re here to assist with refinancing, equity reviews, or future acquisitions
Lender Requirements for SMSF Home Loans
SMSF Home loans are considered higher risk by some banks, so they come with stricter requirements. These may include:
- Minimum super fund balance (often $150K+)
- Strong rental yield or lease agreement
- Loan-to-value ratio (LVR) usually capped at 70–80%
- Independent financial or legal advice (mandatory with some lenders)
We’ll help you navigate all of this and match you with lenders who specialise with SMSF Home Loans.
Why Choose Fundsie for SMSF Home Loans?
Compliance-focused
We understand the rules and ensure everything is set up correctly
Work closely with your team
Accountants, advisers, and solicitors—we’re happy to collaborate
Specialist lender access
We know which banks and non-bank lenders support SMSF Home Loans
End-to-end service
From pre-approval to post-settlement, we manage the whole process
Let's Talk SMSF Home Loans
Or book a time to discuss your SMSF Home Loans goals with an experienced broker.
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- Burleigh Heads, QLD, 4220 ABN 33 635 257 831
