Can my SMSF buy a property to live in?

No. SMSF loans can only be used to purchase investment properties, not for personal use or family occupancy.

What is an LRBA (Limited Recourse Borrowing Arrangement)?

An LRBA allows your SMSF to borrow for property while limiting the lender’s recourse to the property asset itself, protecting other fund assets.

How much can my SMSF borrow?

Most lenders allow up to 80% LVR, depending on your SMSF’s cash balance, contributions, and rental income.

Can I refinance my SMSF loan?

Yes, refinancing is available to reduce rates or improve terms, provided the loan remains compliant.

Do I need professional advice before applying?

Yes. SMSF lending involves financial, legal, and compliance considerations, we coordinate with your accountant and adviser to ensure everything is done correctly.

SMSF Residential Property Loans

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With the right structure, your Self-Managed Super Fund can invest directly in residential property. At Rethink Financing, we help trustees secure SMSF loans that meet regulatory requirements, deliver competitive rates, and align with long-term wealth strategies.

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Smarter Property Investment Through Your Super

Investing in property through an SMSF allows you to grow your retirement savings while maintaining control of your investments. A well-structured SMSF Residential Loan enables you to purchase property using your super balance, with repayments made from fund income such as rental returns and contributions.

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Use superannuation to purchase residential property

Borrow up to 80% of the property’s value

Leverage rental income to cover repayments

Potential tax efficiencies within your SMSF structure

Full compliance with ATO & LRBA requirements

Check Your Eligibility

Simple Process. Strong Compliance.

STEP
1

Fund & Structure Review

We assess your SMSF trust deed and structure to ensure compliance with lending and superannuation regulations.

STEP
2

Lender Selection & Documentation

We compare SMSF lenders, verify eligibility, and guide you through the required documents for approval.

STEP
3

Settlement & Long-Term Support

Once approved, we assist with property settlement and provide ongoing support to help manage your SMSF loan effectively.

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Experts in SMSF Lending

Navigating SMSF lending can be complex. Our experienced team understands the unique structures, compliance rules, and lender policies that affect SMSF property investment. We work directly with trustees, accountants, and financial advisers to deliver a smooth, compliant lending experience.

Specialist Knowledge – Experts in SMSF and LRBA lending.

30+ Lenders – Access major banks and SMSF specialists.

End-to-End Guidance – From structure to settlement.

Clear Communication – No jargon, just clarity.

Award-Winning Service – Recognised for excellence in lending.

Talk to an SMSF Expert

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SMSF Residential Property Loan FAQs

Before reaching out, check out our frequently asked questions to see if we’ve already answered what you’re looking for.

Award-winning
commercial
property financers

Our offering

We specialise in providing personalised solutions, recognising that each client and their situation is immensely unique. The Rethink Financing approach involves tailoring strategies to align precisely with individual goals. With access to a wide array of lenders, we’re not confined to specific products or banks, ensuring a diverse range of options for our clients. Backed by our team’s expertise and diligent guidance, you can trust us to provide thorough advice and support every step of the way.

Our Strategy

We pride ourselves on fostering strong networks and relationships with all key stakeholders including lenders, BDMs and bankers, enabling us to collaborate effectively and transparently. Through these network relationships, they support us as we support them in achieving mutual success.

Knowledge sharing is fundamental to our ethos, through weekly team collaborations, workshops and peer reviews, we ensure that insights are exchanged, lessons learned, and challenges addressed.