SMSF Loans
Strategic property finance designed to unlock the full potential of your super.
What Are SMSF Loans?
An SMSF loan lets a self-managed super fund (SMSF) borrow money to buy an investment property. There’s one key rule: the loan has to be set up under a Limited Recourse Borrowing Arrangement (LRBA). This arrangement means if something goes wrong, only the property bought with the loan is at risk—not the rest of your super fund.
This type of loan gives SMSF trustees the chance to invest in residential or commercial property, while keeping their overall retirement savings protected.
It can be a bit complicated, but when structured properly, it’s a powerful way to build wealth—with the added benefit of superannuation tax advantages.
When Does an SMSF Loan Make Sense?
An SMSF loan makes sense when:
Key features of FYX Finance SMSF Loans
We structure SMSF loans with long-term value in mind. Here’s what sets our solutions apart:
Loan Types
SMSF Residential & Commercial Property Loans
Loan-to-Value Ratios:
Up to 80% for residential; up to 70% for commercial
Repayment Options
Principal & Interest or Interest-Only (with flexibility to pivot as needed)
Rates
Competitive and customised based on your SMSF structure and goals
Offset Accounts
Available with select lenders to enhance cash flow efficiency
Structuring Support
Designed to meet LRBA rules and maximise your SMSF’s position
Our lending is about more than just approvals—it’s about setting your fund up for smarter, more sustainable returns.
How Is an SMSF Property Loan Different From a Home Loan?
An SMSF property loan isn’t just a regular mortgage under a new name. It’s a purpose-built lending structure with distinct rules, responsibilities, and advantages—designed specifically for self-managed super funds. Here’s what sets it apart:
Limited Recourse Lending
SMSF loans must operate under a Limited Recourse Borrowing Arrangement (LRBA). If the loan defaults, the lender can only claim against the property itself—not the other assets in your super fund. This containment of risk doesn’t apply in standard home or commercial loans.
Compliance & Ownership
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Must be purchased at arm’s length
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Residential property can’t be used by you or family
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Commercial property can be leased to your business—but only at market rates
Tax Advantages
Income and capital gains earned inside your SMSF are taxed at 15% or less—potentially dropping to 0% in pension phase. That’s a major benefit over personally held property.
Documentation & Approval
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Audited financials
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SMSF and bare trust deeds
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Investment strategy and property valuation
Loan Features & Limits
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Lower LVRs (max 70–80%)
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Limited or no offset/redraw
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Higher interest rates than standard mortgages
Benefits of SMSF Property Loans
There’s a reason more Australians are looking to property when it comes to superannuation strategy.
Used well, an SMSF loan is a lever. It extends your super’s reach—without risking its foundation.
Tangible growth
Unlike shares, you can see and influence the value of your property
Tax efficiency
Rental income and capital gains inside your SMSF are taxed at concessional rates
Control and flexibility
Decide what you buy, how you manage it, and when you sell
Security
Property is a long-standing hedge against market volatility
What Can You Use an SMSF Loan For?
SMSF Property Loan Options
What You’ll Need To Apply
Applying for an SMSF loan requires a bit more than a standard mortgage—but we’ll guide you through it.
You’ll typically need:
A certified SMSF Trust Deed
A certified Custodian (Bare) Trust Deed
2 years of audited SMSF financials
12 months of SMSF bank statements
Rental appraisal or lease agreement (where applicable)
A signed contract of sale
Let's move forward together
We assist you with lender selection, documentation prep, and compliance checks—because a single oversight can delay settlement by weeks.
FYX Finance: Built for Borrowers Who Think Ahead
We’re not just about getting a loan approved—we’re about getting the right loan for where you’re headed next.
Independent mortgage manager with access to a wide lender network
Non-bank flexibility and private lending pathways
Deep knowledge of commercial markets and business borrowing
Personalised support from first inquiry through to settlement and beyond
Let’s Build Something Future-Ready
At FYX Finance, we help Australians take bold but well-structured steps with their retirement strategy. If you’re thinking about investing in property through your super—whether for personal strategy or business advantage—talk to us about how an SMSF loan can bring your plan to life.
This is more than a loan. It’s a smarter way to grow the future you’re working for—on your terms.
