SMSF LOANS

Use your SMSF property strategy with the right finance behind it.

If you're considering an SMSF loan or want to explore refinancing options, our team is ready to help. EZY Finance Deals helps you understand your lending options and work alongside your accountant, solicitor and financial adviser.

Calculate repayments See how it works

✓ SMSF commercial loan specialist ✓ SMSF residential or commercial refinancing solutions ✓ Personalised lending support

START YOUR JOURNEY

Let's talk about your SMSF strategy

Tell us a little about your property and finance plans and we'll help you understand the next steps.

IMPORTANT UPDATE

SMSF LRBA rules changed from 10 August 2026

The SMSF lending landscape changed significantly on 10 August 2026.

Under the new legislation, new Limited Recourse Borrowing Arrangements (LRBAs) can only be used to acquire Business Real Property (commercial property). New SMSF borrowings for residential property are no longer permitted.

Existing SMSF loans entered into before the change remain protected under grandfathering provisions and may still be refinanced.

SMSF Refinance offer

Current rate

6.89% p.a.*

Comparison rate

6.91% p.a.#

Terms and conditions, fees, charges and lending criteria apply.

What this means for you

Eligible commercial property SMSF borrowing remains available for eligible commercial and business real property.

Existing SMSF loans Existing SMSF property loans established before 10 August 2026 are not affected and can generally continue under current arrangements.

Refinancing remains available Refinancing of existing SMSF LRBAs remains available.

New residential borrowing New SMSF borrowings for residential investment property are no longer allowed.

WHY EZY FINANCE DEALS?

Specialist support for your SMSF lending needs.

SMSF commercial loan specialist

Specialist support for eligible commercial and business real property lending.

SMSF refinancing solutions

Explore refinancing options for existing SMSF loans, subject to lender policy and eligibility.

Personalised lending support

A tailored finance assessment based on your circumstances, property and lending requirements.

SMSF LOANS

Understand the structure before you proceed.

An SMSF loan allows a self-managed super fund to borrow money under a regulated structure to acquire eligible investment assets, subject to Australian superannuation laws and lender requirements.

Eligibility

Requirements differ between lenders, but may include an SMSF with a corporate trustee, compliance with relevant ATO and superannuation requirements, adequate SMSF assets and contribution history, acceptable servicing capacity, suitable security property and supporting financial documentation.

Deposit requirements

For commercial property, lenders generally require higher deposits, often ranging from 30% to 40%, because commercial real estate is considered riskier and less liquid.

Corporate trustee

Most SMSF lenders require the SMSF to have a corporate trustee structure. A limited number of lenders allow individual trustees.

SMSF LOAN STRUCTURE

Understand the role of a bare trust.

A bare trust is a separate legal structure that holds property on behalf of an SMSF under a Limited Recourse Borrowing Arrangement (LRBA). The SMSF benefits from the asset, while the bare trustee holds legal title until the loan is repaid.

Refinancing existing SMSF loans

Many SMSF trustees refinance to obtain a better interest rate, lower repayments or improved loan features. Existing SMSF LRBAs established before 10 August 2026 may remain eligible for refinancing, subject to lender policy and the applicable requirements.

Our team can assess your circumstances and explain the lending options available.

WHAT LENDERS LOOK AT

Your application is assessed on the full picture.

Lenders typically assess the SMSF's financial position, investment strategy, available cash reserves, rental income, property expenses, loan structure (LVR), members' financial circumstances and the fund's ability to meet repayments.

Investment strategy

The SMSF's investment strategy and the proposed property's fit with the fund's objectives can be relevant to the assessment.

Cash flow & servicing

Lenders may consider available cash reserves, rental income, property expenses and the fund's ability to meet repayments.

Members' circumstances

Members' financial circumstances may form part of the broader lending assessment.

Property type

The property type and its suitability for the proposed SMSF strategy are important, particularly under the rules applying from 10 August 2026.

Loan structure

LVR and the proposed SMSF loan structure are considered alongside the lender's individual credit policy.

Exit strategy

Lenders may also consider the fund's proposed exit strategy and the overall sustainability of the arrangement.

DOCUMENT CHECKLIST

Get the key information ready.

Exact requirements vary by lender and fund structure. Having the relevant information available can make the finance assessment more efficient.

✓ SMSF trust deed and fund details

✓ Recent SMSF financial statements

✓ SMSF tax returns where required

✓ Evidence of available contributions or funds

✓ Member and trustee information

✓ Details of existing liabilities

✓ Proposed commercial property details

✓ Contract of sale where applicable

✓ Valuation or property information where required

✓ Supporting documents requested by the lender

WORK WITH YOUR ADVISERS

SMSF finance works best when your advisers work together.

EZY Finance Deals helps you understand your lending options and can work alongside your accountant, solicitor and financial adviser.

Finance assessment We assess your circumstances and explain the lending options that may be available.

Accountant & financial adviser Your accountant and financial adviser can address the fund, tax and investment strategy considerations relevant to your circumstances.

Solicitor Your solicitor can advise on the legal structure and transaction documentation.

Independent advice SMSF lending can be an effective wealth-building strategy for some investors, but independent financial, tax and legal advice should be obtained before making decisions.

Our Lending Partners

LENDER CHOICE

Compare and save on your mortgage

See the latest rates from our lender panel and compare loan options to help find a solution that's right for you.

What Our Clients Say

SMSF LOAN FAQ

Frequently asked questions.

An SMSF loan allows a self-managed super fund to borrow money under a regulated structure to acquire eligible investment assets, subject to Australian superannuation laws and lender requirements.

Eligibility requirements differ between lenders, however applicants generally may need an SMSF with a corporate trustee, compliance with relevant ATO and superannuation requirements, adequate SMSF assets and contribution history, acceptable servicing capacity, suitable security property and supporting financial documentation.

Yes. Many SMSF trustees refinance to obtain a better interest rate, lower repayments, or improved loan features. Existing SMSF LRBAs established before 10 August 2026 may still be refinanced, subject to lender policy and the applicable requirements.

Lenders typically assess the SMSF’s financial position, investment strategy, available cash reserves, rental income, property expenses, loan structure (LVR), members’ financial circumstances, the fund’s ability to meet repayments, the property type and the SMSF’s exit strategy.

For commercial property, lenders generally require higher deposits ranging from 30% to 40% because commercial real estate is considered riskier and less liquid.

Most SMSF lenders require the SMSF to have a corporate trustee structure. However, a limited number of lenders allow individual trustees.

Requirements vary by lender but may include SMSF financial statements, tax returns, trust deed and fund information, trustee or member details, property documents and evidence of available funds.

There is no single borrowing amount that applies to every SMSF. The amount depends on factors such as the fund’s financial position, contributions, proposed property, servicing assessment, lender policy and the overall loan structure.

An SMSF may potentially acquire eligible business real property and lease it to a related business, subject to applicable superannuation rules and arm’s-length requirements. Professional SMSF, legal and tax advice should be obtained before proceeding.

The amount of available funds and how they can be used will depend on your SMSF’s circumstances, contributions and proposed transaction. Your SMSF adviser and lender can help determine what funds may be available.

SMSF lending can be an effective wealth-building strategy for some investors, but it is important to obtain independent financial, tax, and legal advice before making any decisions.

READY TO EXPLORE YOUR OPTIONS?

Let's talk about your SMSF property finance.

Tell Ezy Finance Deals about your existing SMSF loan, commercial property plans or refinancing needs, and let's work through the finance options that may be available to you.

Get started today Call +61 4333 46053