What lenders check
- SMSF deed and investment strategy
- Fund contributions, liquidity and expenses
- Property type, use and valuation
- Bare trust and limited-recourse structure
Superannuation property finance
SMSF property loans
Compare limited-recourse borrowing options for eligible residential or commercial property purchases through an SMSF.
How lenders may assess the application
SMSF property lending uses a specialised legal and trust structure. Lenders may assess fund contributions, liquidity, member ages, property type and the quality of the investment strategy. Financial, legal and tax advice should be obtained before a contract is signed.
Documents to prepare
- Trust deeds and entity details
- Member contribution history
- Fund statements and tax returns
- Contract, lease or rental appraisal
Important trade-offs
- Borrowing must comply with superannuation law and the fund's strategy.
- Setup errors can be expensive or prevent settlement.
- Residential property generally cannot be used personally by fund members or related parties.
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Compare options for smsf property loans
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- Compared across banks and specialist lenders
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