SMSF Residential Property Loans
Invest in residential property investment through your SMSF with confidence. Our expert brokers compare lender options for SMSF loans to help you finance houses, apartments, and townhouses—ensuring your superannuation loans work harder for your future.
SMSF Residential Loan Features
Up to 80% LVR
Minimum Super Balance
Up to 30 years
Leverage up to 80% of your SMSF balance through SMSF loans to expand your investment opportunities, including residential property investment. Security dependent.
Up to 30 years
Minimum Super Balance
Up to 30 years
Loan terms of up to 30 years may be available for SMSF loans, subject to lender criteria. Longer terms can help manage repayments, making it easier for your SMSF cash flow to support residential property investment and superannuation loans.
Minimum Super Balance
Minimum Super Balance
Limited Recourse Borrowing (LRBA)
Typically, a minimum SMSF balance of $150,000 is required to qualify for SMSF loans. This ensures the fund can effectively manage repayments, expenses, and compliance requirements, making it a viable option for residential property investment through superannuation loans.
Limited Recourse Borrowing (LRBA)
Principal & Interest or Interest-Only options
Limited Recourse Borrowing (LRBA)
SMSF loans for residential property investment must be structured under a Limited Recourse Borrowing Arrangement. This means that the loan liability is limited to the property held within the SMSF, ensuring that superannuation loans are managed effectively.
Principal & Interest or Interest-Only options
Principal & Interest or Interest-Only options
Principal & Interest or Interest-Only options
Choose between principal & interest or interest-only repayments for your SMSF loans. The right option depends on your SMSF strategy and cash flow needs, especially when considering residential property investment or superannuation loans.
Simple Refinance Options
Principal & Interest or Interest-Only options
Principal & Interest or Interest-Only options
Some SMSF lenders now offer streamlined refinance options for SMSF loans, helping you maintain a competitive edge in your residential property investment strategy.
Eligible Property Types
Acceptable Properties
Acceptable Properties
Acceptable Properties
Property Restrictions
Acceptable Properties
Acceptable Properties
Simple SMSF Loan Process
A step-by-step approach to financing residential property investment through your SMSF—from strategy to settlement—with expert guidance to help you secure the right SMSF loans and navigate superannuation loans with confidence.
Ready to unlock your SMSF property potential?
Frequently Asked Questions
Please reach us at admin@simplesmsfloans.com.au if you cannot find an answer to your question.
Most SMSF lenders offer up to 80% LVR for residential SMSF loans. This means you need a minimum 20% deposit plus costs. Some lenders may offer higher LVRs in specific circumstances.
Yes, as long as property is fully complete at settlement. Construction loans are not acceptable under SMSF.
No, SMSF members and related parties cannot live in SMSF-owned properties. The property must be held solely for investment purposes to be compliant.
SMSF loans use Limited Recourse Borrowing Arrangements (LRBA). This means the lender can only claim the specific property securing the loan, not other SMSF assets.
SMSF loan approval typically takes 4-6 weeks due to additional compliance checks. Pre-approvals can be obtained in 1-2 weeks to provide confidence when property searching.
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Credit Representative (533187) is authorised under Australian Credit Licence 384704. Novus Finance Pty Ltd Trading as Simple SMSF Loans (ACN 622 242 148)
Disclaimer: This website contains general information only and does not take into account your objectives, financial situation or needs. Consider whether our services are appropriate for you and seek professional advice where appropriate. Credit provided by various lenders. Terms, conditions, fees and charges apply.
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