SELF-MANAGED SUPER
SMSF property loans
Using super to buy property, structured to hold up and stay compliant
Talk to a broker$2bn
Settled
5,500+
Clients
50+
Lenders
5.0
350+ reviews
Meet your specialist
Sergio Stefano
CEO & Head Broker
Sergio founded Brokerage & Co believing people deserved more than transactional finance. As FBAA State President for SA and NT, he also works to raise industry standards.
Using your super to buy property can be a smart move, and a fiddly one to get right. The rules are strict, the structure must be spot on, and plenty of lenders have left this space altogether. Get it wrong and it's expensive to unwind.
So, you want someone who does this every week, not once in a blue moon. We know which lenders still back SMSF loans, how to set up the borrowing so it holds up, and how to keep your fund on the right side of the rules.
Can my SMSF borrow to buy property?
Yes, through a limited recourse borrowing arrangement, and the setup has to be right from the start. We arrange the lending and work alongside your accountant and adviser, who cover the super and investment advice.
Which lenders still do SMSF loans?
A smaller panel of specialist lenders does this well, which is exactly why broker access matters here. We know who is still active and what each one wants to see.
How much deposit does an SMSF loan need?
Generally larger than a standard purchase, with the fund needing liquidity beyond the deposit. We walk through the real numbers for your fund. General information only, not financial advice.
Our clients’ stories
What happens when you reach out
- 1
The conversation: 15 minutes on your goals, income and timeline, and you leave knowing where you stand.
- 2
The plan: your borrowing range, the right structure and what to do next, in plain English.
- 3
The application: packaged properly across 50+ lenders and managed through to approval.
- 4
Settlement and beyond: we stay with you after the keys, reviewing the loan as rates and life change.
“Service like no other! I've never had a mortgage broker so on the ball. Great advice, friendly and professional.”
“Told him about a complicated financing scenario. He told us step by step the best way to proceed. I'd recommend him to anyone!”
“Outstanding service. No question was too much and no call was ever a bother. His response time reflected his work ethic.”
“Always extremely responsive and willing to go that extra yard. I could not recommend his service enough.”
Get in touch
Tell us where you’re headed
Start the conversation
Run your own numbers
Worth knowing
Can my SMSF really borrow to buy property?
Yes, through a specific structure called a limited recourse borrowing arrangement. The rules around it are strict and the setup must be right from the start. We arrange the lending side and work alongside your accountant and adviser, who cover the superannuation and investment advice.
Why have so many lenders left SMSF lending?
It is specialist, compliance-heavy work, and many mainstream lenders decided it was not worth the overhead. A smaller panel of lenders still does it well, which is exactly why broker access matters here.
What deposit does an SMSF loan need?
Generally larger than a standard purchase, and lender policies differ meaningfully. Your fund also needs liquidity beyond the deposit. We walk through the real numbers for your situation. General information only, not financial advice.
Who should advise on whether this is right for me?
Whether an SMSF property strategy suits you is a question for a licensed financial adviser and your accountant. Our job is making sure the lending structure holds up once that decision is made.
In your corner
Tell us what you're working toward and we will map the path. 1300 941 446, or book a time that suits.