We help investors and business owners secure SMSF loans for residential and commercial property purchases across Australia.
SMSF lending is more complex than standard property finance. At DMC Finance, we work closely with your accountant and financial advisor to simplify the process and help you move forward with confidence.
SMSF lending allows your Self-Managed Super Fund to borrow money to invest in property under a structure called a Limited Recourse Borrowing Arrangement (LRBA).
This means your SMSF can use borrowed funds to purchase a property, while the lender’s security is generally limited to the asset purchased.
SMSF lending can be used for:
Property investment through superannuation can offer several potential benefits:
Instead of relying solely on shares or managed funds, property can provide asset diversification within your SMSF.
SMSF earnings are generally taxed at concessional rates, which may improve long-term investment outcomes (depending on your fund structure).
Many business owners use SMSFs to purchase their business premises and pay rent back into their super fund.
SMSF property investment is typically a long-term strategy aligned with retirement planning.
The SMSF lending process involves several key stages. While it can be complex, we help guide you through each step from start to finish.
SMSF Structure Review
We work with your accountant or financial adviser to ensure your SMSF is correctly structured and compliant for borrowing.
Borrowing Capacity Assessment
We assess your SMSF’s financial position, contributions, and assets to determine your borrowing capacity.
Strategy & Property Goals
We help align the loan structure with your investment goals, whether you’re purchasing residential property, commercial property, or business premises.
Lender Selection
Not all lenders offer SMSF loans. We compare specialist SMSF lenders to find the most suitable option for your situation.
Loan Structuring & Documentation
SMSF loans require specific legal structures, including a holding trust and trustee setup. We help coordinate this process with your legal and financial team.
Property Purchase & Settlement
Once approved, your SMSF proceeds with the property purchase and settlement under the correct compliance structure.
Yes, through an SMSF loan, you can invest in residential or commercial properties under specific conditions.
The property must be for investment purposes only and cannot be lived in by you or related parties.
No, SMSF lending is specialised, and only select lenders offer these types of loans. We help find the right lender for your needs.
This depends on your SMSF’s financial position, but typically, loans can cover up to 70-80% of the property’s value.
If you’re considering buying property through your SMSF, it’s important to get the structure right from the beginning.
We can help you understand your borrowing options and connect you with SMSF lending solutions tailored to your goals.
