SMSF Finance to build your wealth through property

Self Managed Super Funds are a popular structure for Australians who want to take control of their super. To invest their superannuation in the assets they believe will afford them the retirement they deserve.

And property is one of their most popular investments.

SMSF has two other advantages:

  • It can borrow money and leverage your current balance to grow your wealth.
  • The loans are made to the SMSF and do not affect your own credit rating or borrowings.

All of that is completely legal. However, most banks walk away from SMSF Finance. It’s hard, complex and they don’t want the regulatory headaches.

That’s where we come in.

We have access to lenders who are happy to lend to SMSFs at competitive rates and up to an 80% LVR. To buy (or refinance) residential, commercial and rural properties. 

In fact, we are one of the few brokers that can access finance to buy rural properties through an SMSF.

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Personal service to get the right SMSF loan

At Regional Finance we have dedicated SMSF lending specialists to help:

  • The right loan for you to match your specific needs and circumstances. 
  • Market leading deals – we access products and rates that other brokers dream of. More options to say yes.
  • Making the complex easy and stress free – we explain everything in plain English and make the whole process an “absolute breeze.”
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Who we help

  • First time property investors wanting to buy a commercial or residential property
  • Trustees that want to buy a rural property
  • Business owners that want to buy their premises
  • Existing property investors that want to grow their SMSF property portfolio
  • Trustees that want to refinance their investment properties. 

It’s a complex process and there is a lot to consider. 

That’s why at Regional Finance we have SMSF Loans specialists. People who understand the rules around SMSF borrowing, trust structures, arms-length transactions and keeping the ATO happy.

We work closely with your trusted advisors and guide you through the whole process to make it easy and stress-free.

Properties we can finance

  • Residential Purchase / Refinance

    • Buy a house, unit, duplex in your SMSF
    • Loan is not included in your own commitments when doing future loans
    • Cannot be occupied by you or your family
    • Borrow up to 80% of the price of the property
    • Dollar for dollar refinance available.
  • Commercial Purchase / Refinance

    • Buy a commercial or industrial premises in your SMSF
    • Loan is not included in your own commitments when doing future loans
    • Can be occupied by you or your family
    • Borrow up to 70% (higher may be allowed in certain circumstances)
    • Dollar for dollar refinance available.
  • Rural Purchase / Refinance

    • Buy a rural property in your SMSF
    • Does not need to have improvements / a house on it
    • Loan is not included in your own commitments when doing future loans
    • Can be occupied by you or your family
    • Borrow up to 65% of the price of the property 
    • Dollar for dollar refinance available.