SMSF Loans
Borrowing through a self-managed super fund can be complex, especially with recent changes to SMSF residential property lending rules. The Loans Suite can help you understand what finance options may still be available and connect your lending strategy with the right professional advice.
Guidance Through Changing Rules
SMSF lending has become more complex, particularly for residential property. The Loans Suite can help you understand the lending side while working alongside your accountant, financial adviser or SMSF specialist.
Support for Commercial Property Finance
While new residential SMSF borrowing is changing, SMSF lending for commercial property may still be available in the right circumstances. We can help you review lender options, deposit requirements and loan structures.
A Careful, Compliance-Led Approach
SMSF loans require the right structure, documentation and advice. The Loans Suite helps you navigate lender requirements while making sure the lending process fits within your broader advice framework.
What You Need to Know About SMSF Lending
SMSF lending is highly specialised, and the rules can affect what you can buy, how the loan is structured and whether borrowing is available at all.
New SMSF borrowing for residential property is changing from August 2026.
Commercial property may still be an option for eligible SMSFs.
You will generally need advice from an accountant, financial adviser or SMSF specialist before proceeding.
FAQs About SMSF Loans
Can an SMSF still borrow to buy residential property?
New SMSF borrowing for residential property is being restricted from 10 August 2026. Existing arrangements may not be affected, but anyone considering a purchase should get advice before taking action.
Can an SMSF borrow to buy commercial property?
SMSF borrowing for commercial property may still be available, subject to the fund, the property, lender requirements and the correct SMSF loan structure.
Do I need advice before applying for an SMSF loan?
Yes. SMSF lending involves superannuation law, tax, investment strategy and lending requirements, so you should speak with qualified SMSF, tax and financial advice professionals before applying.
Considering property finance through your SMSF?
The Loans Suite can help you understand the lending options available and guide you through the next steps with the right professional advice around you.
