SMSF Property Lending
SMSF property lending involves additional rules and lending considerations. We can help you understand the finance side and connect your plans with available lending options.
About this service
Finance guidance built around your circumstances.
If you're considering purchasing residential property through a Self-Managed Super Fund, we can help you understand the residential property lending options that may be available through our lender panel.
Every borrowing situation is different. Your income, financial position, goals, property and the lender's assessment criteria can all affect the options available to you.
Our role is to help you understand the finance process, discuss your requirements and explore lending options that may be suitable for your circumstances.
Who this may be for
This service may be relevant to customers in situations such as:
- SMSF trustees considering residential property finance.
- Customers exploring borrowing for an eligible SMSF property purchase.
- Existing SMSF property owners reviewing lending.
- Borrowers wanting to understand SMSF lending requirements.
How we can help
Depending on your circumstances, we can help you understand areas such as:
- Discussing available SMSF property lending options.
- Understanding lender requirements.
- Reviewing relevant financial information.
- Explaining the lending application process.
- Helping coordinate required finance documentation.
Things to consider
Your circumstances matter.
When assessing a lending option, there are several factors that may need to be considered. The exact requirements depend on the lender and your individual circumstances.
SMSF structure and documentation.
The proposed property.
Superannuation and lending rules.
Trustee responsibilities.
Lender requirements.
Professional advice requirements.
Why work with us
A simpler way to approach your finance.
Understand the lending process.
Explore available SMSF property lending options.
Understand lender documentation requirements.
Receive support through the finance application.
Our process
From conversation to next steps.
The exact process can vary depending on your circumstances, lender and finance requirements. Generally, the journey can look like this.
Discuss your plans
We discuss the proposed property purchase and your SMSF lending requirements.
Review relevant information
We consider the financial and lending information required by potential lenders.
Explore lending options
We identify lending options available through our lender panel.
Prepare documentation
The relevant SMSF and financial documentation is prepared for lender assessment.
Lender assessment
The selected lender assesses the application against its lending requirements.
Settlement
Subject to approval and completion of the required process, the transaction can progress toward settlement.
Getting prepared
Documents you may need.
The documents required will depend on your circumstances and the lender. These are examples of information that may be requested.
Identification documents.
SMSF trust and fund documentation.
Financial statements where required.
Property information.
Income and asset information.
Other documents requested by the lender.
Frequently asked questions
Questions about smsf lending?
Can an SMSF borrow to purchase property?+
SMSFs can borrow for certain investment purposes under specific legal structures and conditions. Professional financial, tax and legal advice should be obtained before proceeding.
Can an SMSF purchase any property?+
SMSF property investments are subject to superannuation law, the fund's trust deed, investment strategy and other requirements. Professional advice is important before purchasing.
Does SK Finance provide SMSF financial advice?+
Our role is focused on lending and credit assistance. You should obtain appropriate financial, tax and legal advice regarding whether an SMSF property investment is suitable for you.
Let's talk
Ready to talk about your finance goals?
Start with a conversation about your goals and circumstances. We'll help you understand the next steps and the lending options that may be available to you.
SMSF property investment and borrowing involves complex legal, tax and superannuation considerations. You should obtain appropriate independent financial, tax and legal advice before proceeding. Lending remains subject to lender criteria, assessment and approval.