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Self Managed Super Fund

Are you looking to leverage the power of your Self Managed Super Fund (SMSF) to invest in property?

SMSF, or Limited Recourse Borrowing Arrangements (LRBA), loans are the key that opens the door to exciting investment opportunities while providing potential tax advantages and long-term wealth creation. At Own Home Loans, we understand the nuances of SMSF borrowing like no one else, and we’re committed to helping you make informed decisions that align with your financial goals. 

Why Choose Own Home Loans?

Expertise: Our team of mortgage specialists combines in-depth knowledge of self managed super fund property loans with a deep understanding of the Australian property market. We stay updated with the latest industry regulations and guidelines, ensuring we provide you with accurate information and reliable advice. 

Tailored Solutions: Every SMSF is unique, and we recognise that a one-size-fits-all approach doesn’t work when it comes to SMSF borrowing. Our experts take the time to understand your specific circumstances, investment objectives, and risk tolerance to create customised loan solutions that align with your needs. 

Extensive Network: Over the years, we have built strong relationships with a wide network of lenders specialising in SMSF loans. This allows us to access a diverse range of loan products and negotiate competitive interest rates and favourable terms on your behalf. 

Streamlined Process: Navigating SMSF borrowing can be complex, but we’re here to simplify the journey for you. Our team will guide you through the entire process, from loan application to settlement, ensuring a seamless experience and timely completion of all necessary documentation. 

Compliance and Legal Expertise: SMSF loans come with specific legal and compliance requirements that must be adhered to. We work closely with legal, accounting and financial planning professionals who specialise in SMSF laws and regulations, ensuring that your loan structure is compliant and protects your fund’s integrity. 

Our Services

SMSF Loan Advice

Whether you’re a first-time investor or experienced in SMSF borrowing, our team will provide comprehensive advice on structuring your loan, loan-to-value ratios (LVRs), cash flow management, and more. We’ll ensure that you make informed decisions that align with your SMSF’s investment strategy. 

Lender Selection

With access to a diverse panel of lenders specialising in SMSF loans, we’ll assist you in selecting the right lender based on your borrowing requirements, loan features, and interest rates. We’ll negotiate on your behalf to secure the most favourable terms that we can. 

Loan Application and Documentation

Our experts will handle all aspects of your loan application, ensuring that your documentation is complete, accurate, and submitted within the required timeframe. We’ll liaise with lenders, solicitors, and other stakeholders on your behalf, keeping you informed throughout the process. 

Ongoing Support

Our commitment doesn’t end once your SMSF loan is approved. We provide ongoing support and advice, helping you navigate any changes in regulations, interest rate fluctuations, or refinancing options. Your long-term financial success is our priority. 

Frequently Asked Questions

What is an SMSF loan, and how does it work?

An SMSF loan, or Self-Managed Super Fund Limited Recourse Borrowing Arrangement loan, allows your SMSF to borrow money to invest in property. With an LRBA, your SMSF can purchase a residential or commercial property while using the property itself as security for the loan. The SMSF repays the loan over time, using rental income and contributions from members.

Can any property be purchased using an SMSF loan?

While there are restrictions on the types of properties that can be purchased, SMSF loans offer flexibility in terms of property choices. You can invest in residential properties and commercial properties.. However, certain limitations apply, such as the property must meet the “sole purpose test” and residential property cannot be acquired from a related party.  Different lending rules apply to different types of property.

What are the benefits of using an SMSF loan for property investment?

SMSF loans offer several benefits for property investment within your SMSF: 

  • Potential for increased diversification and long-term capital growth. 
  • Potential tax advantages, such as potential tax deductions on loan interest and depreciation. 
  • The ability to utilize existing SMSF funds to invest in property. 
  • Control and flexibility over investment decisions within your SMSF.

Are there any risks or considerations associated with SMSF loans?

Like any investment, SMSF loans come with risks and considerations to be aware of: 

  • Strict compliance with SMSF laws and regulations is essential. 
  • Interest rates and property values may fluctuate, impacting the performance of your investment. 
  • Repayment obligations and potential rental income shortfalls need to be carefully managed. 
  • Professional advice from mortgage brokers, accountants, and legal experts is crucial to navigate the complexities. 

Do I need a mortgage broker for an SMSF loan?

While it is not mandatory to engage a mortgage broker for an SMSF loan, their expertise can prove invaluable throughout the process. A mortgage broker specializing in SMSF loans has in-depth knowledge of lenders, loan products, and the regulatory landscape. They can help you find the most suitable loan options, negotiate terms, and guide you through the application and documentation process, ensuring compliance and saving you time and effort. 


If you’re ready to explore the world of SMSF borrowing or have questions about the process, our team of experts is here to help. Contact Own Home Loans today to schedule a consultation and let us guide you toward a secure and prosperous future for your SMSF investments. 

Disclaimer: Own Home Loans is a mortgage broking service. We do not provide financial or legal advice. The information provided on this webpage is for information purposes only and should not be construed as financial or legal advice. Please consult with a licensed financial or legal professional for personalised advice to your specific circumstances.