SMSF Loans

• Explaining how SMSF borrowing works and whether it fits your fund's strategy

• Structuring finance for residential property refinances through your SMSF, or purchase and refinance for commercial property

• Comparing lenders who specifically offer and understand SMSF lending

• Working alongside your financial planner and accountant, since SMSF lending decisions typically involve their input too

• Explaining the ongoing compliance and structural requirements that come with SMSF borrowing

SMSF borrowing usually isn't a decision I'd recommend making with a broker alone your financial planner and accountant play a genuine role in whether it fits your fund's strategy and how it's structured for compliance. I'm happy to work alongside them, bringing the lending and finance-structuring expertise while they handle the superannuation and compliance side.

If you don't already have a financial planner or accountant across your SMSF, that's worth sorting before going too far into the lending conversation.

I know which lenders actually do SMSF well. Not every lender offers SMSF loans, and not all of those that do understand the structure equally well, I'll point you toward ones who do.

I work alongside your other advisers. SMSF lending isn't a solo decision, and I'm comfortable coordinating with your accountant or financial planner rather than working in isolation.

I'll explain it properly. SMSF borrowing has more moving parts than a standard loan, and I'd rather you understand the structure fully than sign something you're unsure about.

• Can my SMSF buy residential and commercial property? No, Commercial property allows both purchase and refinance. Residential can only refinance existing held property in a SMSF. Worth confirming your fund's specific position with your accountant or financial planner first.

• Do I need a financial planner or accountant to get an SMSF loan? Not strictly to get the loan itself, but SMSF borrowing decisions typically should involve them, since it affects your fund's compliance and strategy along with trusts and structure. I'm happy to work alongside whoever you're already using.

• Are SMSF loan rates different from standard property loans? Often, yes. SMSF loans can carry different rates and terms than standard lending, given the added complexity and risk considerations for lenders. I'll help you compare genuinely SMSF-specific options.

• Can I live in a property my SMSF owns? Generally, no, for residential property, there are strict rules around SMSF-owned property and personal use. This is exactly the kind of question worth confirming with your accountant or financial planner alongside the lending conversation.