SMSF Property Loans with Loanworx

Using your Self-Managed Super Fund (SMSF) to buy property can be a powerful way to build long-term wealth — but SMSF loans come with extra rules, specialist lenders and a lot of moving parts.

At Loanworx, we help trustees secure SMSF property loans that fit their fund’s strategy and comply with superannuation and lending requirements. Whether you are buying your first SMSF property or reviewing an existing loan you suspect is no longer competitive, we work alongside your professional advisers to keep things clear, compliant and manageable.

Why SMSF borrowers choose Loanworx

SMSF lending is very different from taking out a standard home or investment loan. Many major banks have stepped away from this space, leaving a smaller group of specialist lenders with varied policies, pricing and conditions.

At Loanworx, we focus on understanding your fund’s circumstances and investment strategy, then working with your accountant and financial planner to structure SMSF loans that make sense. We know SMSF borrowing is just one piece of a larger plan for retirement, so we aim to make the loan side as smooth and predictable as possible.

How our SMSF lending support is different

SMSF loans sit at the intersection of lending, tax, superannuation and legal rules, which is why a simple, one-size-fits-all approach rarely works.

With Loanworx, you have:

Access to a panel of SMSF specialist lenders who understand limited recourse borrowing
Loan structures tailored to your fund’s investment strategy and trust deed
A team that coordinates with your accountant, financial planner and lawyer
A focus on keeping the process organised, so there are fewer surprises and delays

We have successfully arranged many SMSF property loans, which means we know the common issues to watch out for and how to organise the lending so it sits comfortably within the broader advice you are receiving from your professional team.

When SMSF property loans can make sense

An SMSF loan may be worth exploring if you and your advisers have identified property as a suitable asset for your fund and you are looking for a way to acquire it over time rather than paying cash from the outset.

Common scenarios include using your SMSF to buy a commercial property that your own business can lease at market rates, or purchasing a residential or commercial investment property to rent to a third party. In other cases, trustees already hold property in the fund and simply want to review or refinance an older SMSF loan that is no longer competitive or flexible.

Why it pays to plan your SMSF finance early

Planning your SMSF property loan early is less about rushing into a purchase and more about making sure the structure, advice and timing are all aligned. When we talk to you and your advisers early on, we can help you understand what lenders are likely to support, how much your fund can reasonably borrow and what documentation will be needed. That means fewer last-minute surprises and a smoother path from strategy discussion to contract, settlement and ongoing repayments within the fund.

Things you should know about SMSF loans

What you can buy with an SMSF loan

With the right advice and structure, SMSF property loans can be used to:

Purchase a commercial property and lease it back to your own business at market rates
Buy an investment property, commercial or residential, to rent to an unrelated third party

This can give your superannuation access to property-based income and potential capital growth as part of a broader investment strategy.

Why SMSF loans are different

SMSF loans have stricter rules and are usually set up as limited recourse borrowing arrangements, which means the lender’s rights are generally limited to the property held in the SMSF loan structure. There are specific compliance requirements around who can use the property, how rent is paid, and how the transaction is documented.

Because of this, you must always seek legal, accounting and financial planning advice before proceeding. Our role at Loanworx is to handle the lending side and coordinate with your professional team so that the finance aligns with the advice you receive and the rules that apply to your fund.

Our SMSF lender panel

Not all lenders offer SMSF loans, and those that do can vary widely in policy and pricing. Loanworx works with:

SMSF specialist lenders who regularly assess SMSF property transactions
Selected banks and non-bank lenders that still support SMSF borrowing

This gives us scope to compare interest rates, fees, maximum loan-to-value ratios and conditions across multiple providers, and then recommend a lender that fits your fund’s needs and investment strategy.

How SMSF property finance works with Loanworx

Step 1 – Discuss your SMSF strategy and property plans

We start with a conversation involving you and, where appropriate, your accountant or financial planner, to understand your SMSF structure, investment strategy and the type of property you are considering.

Step 2 – Outline borrowing options and limits

Based on your fund’s position and the guidance from your professional advisers, we outline likely borrowing limits, loan structures and lenders that deal with SMSF property loans for similar scenarios.

Step 3 – Coordinate documentation and lender selection

We work with you and your advisers to gather the required documentation, then approach suitable SMSF lenders to compare terms, pricing and conditions. From there, we help you choose the option that aligns best with your strategy and advice.

Step 4 – Approval, settlement and beyond

We manage the loan application, approval and settlement process, keeping your professional team in the loop. Once the loan is in place, we remain available to review it over time and discuss refinancing if circumstances or lender offerings change.

Speak to a Property Loan Specialist

SMSF loan FAQs

Can I use an SMSF loan to buy a property for my business?

Subject to advice and compliance, many business owners use SMSF property loans to buy commercial premises that their own business then leases from the fund at market rent. Your accountant and financial planner will help confirm if this is appropriate for your situation.

Can I live in a property owned by my SMSF?

No. SMSF rules generally prevent you or related parties from living in, or using, residential property owned within the fund. Any use of property must comply with superannuation law and your fund’s investment strategy, so professional advice is essential.

Are SMSF loans harder to get than normal home loans?

They are more specialised, with fewer lenders and more documentation required, but with the right preparation and support they are manageable. Our role is to help present your application clearly to lenders who understand SMSF structures.

Can I refinance an existing SMSF loan?

In many cases, yes. If your SMSF already owns property and you suspect the loan is not competitive, we can review your current facility and explore refinancing options with SMSF specialist lenders, subject to advice and eligibility.

Do I need advice before applying for an SMSF loan?

Yes. SMSF lending must fit within a compliant investment strategy and structure. We always recommend you seek advice from a licensed financial planner, accountant and, where needed, a lawyer before proceeding. We then align the lending solution with that advice.

Ready to explore SMSF property loans with Loanworx?

Whether you are purchasing your first SMSF property or reviewing an existing SMSF loan, now is a good time to understand your options and check that your finance supports your long-term retirement strategy.

Call us on 1300 562 696 to discuss your SMSF loans and
property finance options with a Loanworx specialist.

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SMSF Property Loans with Loanworx

Why SMSF borrowers choose Loanworx