strategy.
Before a loan, a plan.
Every engagement opens with a complimentary Lending Strategy Session — ninety minutes devoted entirely to your goals.
Our services
SMSF Loans
Unlock the wealth-building potential of property inside your super — with specialist lending guidance every step of the way.
Why it matters
A Self-Managed Super Fund loan lets you use your superannuation to purchase residential or commercial property through a Limited Recourse Borrowing Arrangement (LRBA). It is one of the most powerful — and most regulated — wealth-building strategies available to Australian investors, and getting the structure right from day one is essential.
Under ATO rules, the property must be held inside a bare trust (also called a custodian trust) for the duration of the loan. The bare trustee holds legal title on behalf of the SMSF until the borrowing is fully repaid, at which point ownership transfers to the fund. This structure protects your other super assets because the lender’s recourse is limited to the single property — not the broader fund.
Continue reading Show less
SMSF lending sits at the intersection of superannuation law, property law and credit regulation, so cookie-cutter advice simply does not cut it. Every fund’s investment strategy, trust deed and member balance sheet is different. Lender policies vary widely too — some accept residential only, others specialise in commercial, and LVR limits, interest rates and serviceability models can differ by tens of thousands of dollars over the life of a loan.
At Financial Elements we work alongside your financial adviser, accountant and SMSF auditor to coordinate the entire borrowing process. From confirming your fund’s trust deed permits borrowing, through to lender selection, bare trust establishment and settlement, we handle the complexity so you can focus on building long-term wealth inside your super. Because with SMSF lending, it really is more than just a pretty rate.
Your adviser
Jaison Singh General Manager
600K +
SMSFs in Australia
0
%
Max LVR for SMSF residential
0
+
SMSF lenders on our panel
0
%
Concessional super tax rate
Is this you?
This is you if…
- Your fund holds $200k+ and you want to buy direct property in super
- You already have a corporate trustee and SMSF trust deed in place
- You want your fund to hold commercial premises and lease it to your business
How it works
Four elements. One outcome.
Inside every Financial Elements engagement there is the same four-part sequence. We never skip steps. We never re-order them.
- 01strategy.Session
- 02structure.Modelling
- 03solutions.Lender match
- 04support.Annual review
Stage 01 / 04FE Method
structure.
The part that compounds.
Offset, redraw, split, fixed, variable — structure is the part that compounds for or against you. We model fourteen.
solutions.
The right one. Not the loudest.
A careful match across forty-plus lenders for the strategy and structure already agreed. We negotiate the rate and the small print.
support.
Reviewed yearly. Always.
A relationship, reviewed annually — rate, structure, product. Most brokers vanish on settlement. We schedule the next twelve.
The process
How It Works
5 steps
01 / 05
We review your fund's trust deed, investment strategy, member balances and existing asset allocation to confirm borrowing is permitted and appropriate.
02 / 05
Together we clarify your investment goals — residential or commercial, target location, yield expectations and holding period — then model cash flow scenarios.
03 / 05
We compare SMSF loan products across our panel, factoring in LVR, interest rate, fees, acceptable property types and each lender's serviceability model.
04 / 05
Once the loan is approved, we coordinate the establishment of the bare trust required by law to hold legal title on behalf of your SMSF. Our panel solicitors ensure correct structuring.
05 / 05
We manage the settlement process end to end — liaising with your solicitor, the lender and the vendor's agent. Post-settlement, we remain available for refinance reviews and rate negotiations.
Why Choose This Service
Portfolio Diversification
Adding direct property to your super reduces reliance on shares and managed funds, giving your retirement savings a tangible, income-producing asset class that behaves differently to equities.
Capital Growth Within Super
Any capital gain on the property is taxed at concessional super rates when sold, and may be completely tax-free if the fund is in pension phase at the time of disposal.
Tax-Advantaged Investing
Rental income earned inside an SMSF is taxed at just 15 per cent in accumulation phase — and potentially zero per cent in pension phase. Expenses including loan interest are deductible to the fund.
Specialist Lender Access
SMSF loans are a niche product — most mainstream banks have exited the space. We maintain relationships with over 30 lenders who actively write SMSF lending, ensuring competitive rates and flexible terms.
30 +
SMSF lenders on our panel
15 %
Concessional super tax rate
Start the conversation
Ready to Get Started?
Fill in the form below and one of our advisers will be in touch within 24 hours.
Frequently Asked Questions
Under Section 67A of the Superannuation Industry (Supervision) Act 1993, an SMSF may borrow to acquire a single acquirable asset provided the loan is structured as a Limited Recourse Borrowing Arrangement (LRBA). The asset must be held on trust by a separate bare trustee until the loan is repaid in full. Your SMSF trust deed must expressly permit borrowing, and the purchase must be consistent with the fund’s documented investment strategy.
Most lenders cap residential SMSF loans at 70 to 80 per cent LVR, while commercial SMSF loans typically sit between 65 and 70 per cent LVR. The exact limit depends on the lender, property type, location and your fund’s financial position. Because policies vary significantly across our panel, comparing multiple lenders is essential.
Each LRBA must be used to acquire a single acquirable asset — one property per loan. You cannot use a single borrowing arrangement to purchase multiple properties, nor can you borrow to substantially improve or alter the asset. Minor repairs and maintenance are permitted, but structural additions generally require separate funding from the fund’s existing cash reserves.
Generally, no. The SIS Act prohibits SMSFs from acquiring assets from related parties. The key exception is business real property — commercial premises used wholly and exclusively in a business. If the property qualifies, it can be purchased from a related party at market value supported by an independent valuation. Residential property can never be acquired from a related party.
All services
Explore the full set
Ready when you are
Ready to start?
Ready to start?
Let's chat.
Book a complimentary Lending Strategy Session. We'll spend ninety minutes on your goals, your structure, and what good actually looks like for your decade.