What deposit does an SMSF loan require?

Most lenders require 20–30% deposit (70–80% LVR) for SMSF loans. The deposit must come from the SMSF's own funds — not personal savings.

Can my SMSF buy my business premises?

Yes. Commercial property is one of the most popular SMSF loan strategies. Your business pays rent to the SMSF at market rates, and the fund grows tax-effectively.

Do I need a financial planner to get an SMSF loan?

We strongly recommend working with your SMSF accountant and a licensed financial adviser before proceeding. We arrange the lending; your adviser ensures the strategy suits your retirement goals.

Does Path Finance offer after-hours SMSF consultations?

Yes — we offer evening and weekend appointments by phone or Zoom, so you never need to take time off work to discuss your SMSF loan.

Self-Managed Super Fund Property Finance

SMSF Loans Sydney

Unlock the potential of your Self-Managed Super Fund. Path Finance arranges tailored SMSF loans for residential and commercial property investments — from 30+ specialist lenders.

Book a Free SMSF Chat See Requirements

📅 Evenings & weekends available · 📞 Phone or Zoom · No obligation

MFAA Accredited

30+ Lenders

$0 Broker Fees

Evenings & Weekends Available

What Is an SMSF Loan?

Property Investing Through Your Super

Residential SMSF Property

Buy residential property inside your SMSF with a Limited Recourse Borrowing Arrangement (LRBA).

Commercial SMSF Property

Business owners can purchase their business premises through their SMSF — rent paid to the fund.

Competitive Rates & Terms

We compare SMSF-specialist lenders to find competitive rates with flexible terms suited to your fund strategy.

Eligibility

SMSF Loan Requirements

SMSF must be properly established with a corporate trustee (recommended)
Property held in a separate bare trust structure (LRBA)
Loan serviceability assessed on fund income (contributions, rental income, investments)
Property must meet the "sole purpose test" — held for retirement benefit
Maximum LVR typically 70–80% depending on lender and property type
We work alongside your SMSF accountant and financial planner

Compare

SMSF vs Standard Investment Loan

Both have merit — the right structure depends on your retirement strategy, tax position and goals.

SMSF Loan (LRBA)

Tax-advantaged growth (concessional 15% fund tax rate)
Rental income taxed at fund rate, not personal marginal rate
Pension-phase income can be tax-free
Asset protection — held in trust for retirement
Commercial property: lease to your own business at market rent

Standard Investment Loan

Borrow in personal name with higher LVR (up to 90–95%)
Simpler structure — no bare trust or LRBA required
Negative gearing offsets personal income
Property can be lived in or used by family
Lower setup and ongoing compliance costs

FAQ

Frequently Asked Questions

No. The sole purpose test prevents SMSF members or related parties from living in or using the property. It must be purely for the fund's retirement benefit. A separate investment property is required.

Considering Property Inside Your SMSF?

Book a free chat to discuss your SMSF structure, lender options and indicative borrowing capacity. We work alongside your accountant and adviser.

Book a Free SMSF Chat Call 0478 700 441

📅 Evenings & weekends · Phone or Zoom · No obligation

Explore More

Related Services

First Home Buyer

Government schemes, deposit guidance and a tailored loan match for first-time buyers.

Learn More

Refinancing

Review your current loan and compare 30+ lenders to find a better-suited option.

Learn More

Investment Property

Structure loans for growing portfolios with interest-only and equity strategies.

Learn More