SMS Loans. Simplified.

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Looking to invest in property through your Self-Managed Super Fund (SMSF)? We can help you navigate the complexities of SMSF loans and connect you with lenders who offer solutions tailored to your goals.

Whether it’s residential or commercial property, our expert team is here to simplify the process and ensure you make informed decisions every step of the way.

Managing an SMSF comes with unique responsibilities, and securing a loan within strict regulatory frameworks can be challenging. At The Loan Book, we work with a variety of lenders to help you find a compliant SMSF loan. Our expertise ensures you understand the requirements and benefits, giving you confidence in your investment strategy.

An SMSF loan allows a Self-Managed Super Fund to borrow money to purchase investment property. The loan is limited-recourse, meaning the lender’s recovery rights are limited to the property itself.

No, properties purchased through an SMSF must be solely for investment purposes and cannot be used as personal residences.

Repayments are made from the SMSF’s balance, which must be sufficient to cover loan obligations and maintain compliance with contribution caps and other regulations.

The amount you can borrow with an SMSF loan depends on factors such as the value of your SMSF, the type of property you wish to purchase, and the lender's criteria.

Generally, lenders allow you to borrow up to 70-80% of the property’s value (Loan-to-Value Ratio or LVR) for residential properties and up to 60-70% for commercial properties.

Your SMSF must also demonstrate sufficient income to service the loan and meet ongoing expenses. It's essential to consult with a mortgage broker to explore options that suit your fund’s financial position.
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Adrian
Adrian Busso
Director & Lending Strategist

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Z3 CONCEPTS PTY LTD trading as The Loan Book (ABN 63169044688) with Credit Representative Number 529386 is a Credit Representative of Australian Credit Licence 389328.
This website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

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