Explore SMSF Property Investment Opportunities

Need help securing a loan for your SMSF property investment? Our ICFG mortgage brokers and lending specialists with deep knowledge of SMSF transactions will connect you with lenders who understand the unique requirements of SMSF property transactions. Our team’s 38+ years of expertise will help you find the best SMSF property investment rates that suit your financial capacity.

Michael, Danya and the team at Inner Circle Finance have been amazing. Best broker experience I have had so far. Everything was explained ahead of time and communication was on point at every step of the way. Would highly recommend to anyone looking for a finance broker to contact Michael.

- James McCauley

We have used Michael from Inner Circle Finance a few times now. He is always great to deal with and steps you through the process. I would definitely recommend Inner Circle Finance Group if you are thinking of refinancing.

- Gina Mienert-Browne

Michael Eid and the amazing Dayna Zernike have been wonderful in helping us refinance our home and investment property loan with a better interest rate. Dayna was so patient with my many emails and Michael has always been available to answer any questions or concerns. The follow up and making sure everything runs smoothly has been outstanding.

- Bronwyn Thompson

Important: Inner Circle Financial Group provides mortgage broking services only. We do not provide financial, tax, or investment advice. Please consult with qualified professionals for advice on SMSFs, investments, and tax matters.

Find Your Best SMSF Property Investment Rates and Deals

Why Partner with ICFG for SMSF Property Investment?
  1. Specialised lending knowledge. Our team understands the unique requirements of SMSF property loans and LRBA structures, helping streamline your application process.
  2. Extensive lender network. Tap into our network of SMSF-specialist lenders. Each is vetted for competitive rates and an understanding of unique SMSF requirements.
  3. Coordinated approach. We work alongside your chosen financial advisors, accountants, and SMSF administrators to help facilitate a smooth lending process.

Consider Your SMSF's Property Investment Potential

Mindful Loan Structuring

  • Specialised LRBA arrangement guidance
  • Clear documentation requirements
  • Assistance with the application process with SMSF-friendly lenders

Lending Support

  • Access to specialised SMSF property loan options
  • Coordinated approach with your mortgage specialist
  • Dedicated support throughout your application

Property Loan Considerations

  • Understanding of SMSF property lending criteria
  • Straightforward communication of loan requirements
  • Assistance in comparing the best interest rates on property mortgages

Smart Money Management

  • Loan-to-Value Ratio (LVR) options for SMSF lending
  • Transparent fee and rate discussions
  • Future lending capacity assessment

Service Excellence

  • Direct access to SMSF lending specialists
  • Regular progress updates
  • Proactive issue resolution

Greater Flexibility and Control

  • Get more control over personalised computations and structures
  • Keep track of potential tax benefits
  • Access more options on loan repayments and SMSF investment rates
Disclaimer: This information is general in nature. For SMSF, tax, or investment advice, please consult your licensed financial professionals.

SMSF lending specialists ready to assist smart property investors like you

ICFG offers specialised LRBA arrangement guidance and a streamlined application process with SMSF-friendly lenders to help you find your ideal SMSF property investments.

Residential SMSF Loans

  • We’ll guide you through every LRBA requirement, from paperwork to approval
  • Tap into our network of SMSF lenders for competitive rates you won’t find elsewhere
  • Skip the delays with our verified application process

Commercial Property Loans

  • Turn your business property goals into reality with structured SMSF finance options
  • Get approval to your commercial space faster with expert LRBA guidance
  • Feel confident with a mortgage solution that fits your SMSF investment strategy

Frequently Asked Questions

Yes, you can purchase investment property through your SMSF, following strict compliance rules and regulations. The property must be for investment purposes only and cannot be lived in by you or your family members.

Your SMSF can invest in residential properties (houses, apartments, townhouses) and commercial properties. The property must meet the ‘sole purpose test’ of providing retirement benefits and cannot be improved beyond basic maintenance.
SMSF loans typically allow borrowing up to 80% of the property value through a Limited Recourse Borrowing Arrangement (LRBA). The loan structure requires setting up a bare trust for the purchase.
The process involves consulting with an SMSF lending specialist, setting up your SMSF (if you don’t have one), transferring existing super funds (which can take up to a month), and arranging appropriate financing through a bare trust structure.
Key restrictions include: no personal or family use of the property, maintenance only (no improvements), arm’s length transactions, and all decisions must align with your fund’s investment strategy.
The process typically requires at least 21 days for finance approval, plus additional time for SMSF setup and super fund transfers. It’s recommended to allow extra time compared to standard property purchases.
Consider SMSF setup and maintenance costs, property purchase expenses (stamp duty, legal fees), ongoing property management fees, and loan-related charges. All expenses must be paid through the SMSF.

Your SMSF Property Investment Journey Starts Now

Our ICFG specialists wil help you understand:

Current SMSF loan rates and terms

LRBA structure requirements

Property loan eligibility criteria

Work with our experienced brokers to understand SMSF property loan applications process. We collaborate with licensed financial advisors, accountants, and SMSF administrators to support your lending needs.

Disclaimer: This is general information only. Please consult your licensed financial advisor, accountant, or SMSF specialist for specific advice about SMSFs and retirement planning.

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