SMSF Loans – Build Your Retirement Wealth with Property

Leverage your Self-Managed Super Fund to acquire investment property and diversify beyond traditional assets. Our experts specialise in navigating SMSF loan complexities, securing competitive financing from a panel of specialist lenders tailored to your retirement goals.

This powerful strategy enables you to invest superannuation funds into real estate, with potential rental income and capital growth benefiting from the tax-advantaged superannuation environment. Our experts guide you comprehensively—from initial strategy through settlement—ensuring full compliance with SMSF regulations.

At a Glance

Loan amounts from $150,000 to $10,000,000
Competitive SMSF-specific interest rates
Up to 80% LVR for residential properties
Expert advice on trust deeds and compliance

Explore SMSF Strategies Speak to an SMSF Specialist

Common Questions

What is the minimum loan amount?

Minimums vary across lenders like Think Tank and La Trobe Financial, typically beginning at $150,000 to $200,000 depending on your fund's financial position and property value.

How do SMSF loan rates compare?

SMSF loans often carry higher rates than standard residential loans, though Finco Capital accesses competitive rates through our lenders. For example, rates start from around 6.64% p.a.* depending on LVR and loan structure.

What properties can I buy?

SMSF loans cover residential investment properties—houses, units, townhouses—and commercial properties satisfying the sole purpose test, including specialised SMSF commercial loans.

What are typical LVRs and loan terms?

Residential LVRs generally range from 70-80%, meaning your fund provides a 20-30% deposit. Terms extend up to 30 years, with both Principal & Interest and Interest-Only options.

How long does the process take?

Due to compliance requirements, SMSF loans usually take 4 to 8 weeks from application to settlement. Our streamlined approach aims to minimise delays through expert documentation handling.

The Finco Capital Advantage

Specialist Expertise: Deep knowledge of SMSF trust deeds, custodial agreements, and lender requirements.
Dedicated Lender Panel: Access to SMSF lenders including Resimac, Think Tank, Abacus Home Loans and La Trobe Financial.
End-to-End Support: Guidance from strategy and lender selection through settlement and ongoing compliance.

Book a Free Consultation Download SMSF Guide

Disclaimer

Information herein is general and does not consider your objectives or financial circumstances. Consult an SMSF or tax specialist before proceeding. Loan amounts, rates, and LVRs are subject to lender criteria and credit approval. Rates are indicative as of July 2025. Final terms depend on full application assessment.