Invest in Property Through Your Super—The Smart Way

Self-Managed Super Funds (SMSFs) offer a powerful way to build wealth for retirement—and property can play a big role in that strategy. But SMSF lending comes with strict rules, a unique structure, and a fair bit of paperwork.

At Fundsie, we make SMSF mortgages simple. We’ll help you secure the right loan, structure it correctly from day one, and ensure you stay compliant with all ATO and lending requirements.

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Why Use an SMSF to Invest in Property?

Owning property through your super gives you:

Tax advantages

Rental income and capital gains are taxed at lower superannuation rates

Greater control

You choose the property and manage the investment strategy

Asset diversification

Add bricks and mortar to your retirement mix

Long-term wealth building

Leverage your super balance for larger growth potential

It’s not for everyone, but for the right investor, an SMSF mortgage 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.
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What You Can (and Can’t) Do

We’ll always keep things clear. Here’s what an SMSF loan can help you purchase:
  • Residential or commercial property
  • Property to lease at arm’s length to a third party
  • Commercial premises used by your own business (via leaseback, under strict rules)
What you can’t do:
  • Live in or personally use the property
  • Sell it to yourself or a related party
  • Use borrowed funds for renovations or development (repairs are fine, upgrades are not)

We’ll walk you through the rules and help you avoid common compliance traps.

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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

SMSF 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 in SMSF lending.
Lender Requirements
why choose Fundsie

Why Choose Fundsie for SMSF 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 strategies

End-to-end service

From pre-approval to post-settlement, we manage the whole process

Let's Talk SMSF Lending

Thinking of investing through your super? Start with a chat. We’ll help you understand what’s possible, what’s required, and what steps to take next.
Or book a time to discuss your SMSF goals with an experienced broker.

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  • Burleigh Heads, QLD, 4220 ABN 33 635 257 831
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