Get Started

SMS Loans. Simplified.

Start online then choose a time to chat with one of our experts. Zero cost, no obligations.
Apply online

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.
  • Loan option with 40+ Australian lenders
  • We will do the legwork for you
Book your broker
Adrian
Adrian Busso
Director & Lending Strategist

Search, find and finance with The Loan Book

How much can you borrow?

Easily find out your maximum borrowing power so you can start your property journey.
  • Calculate your borrowing power
a cell phone sitting on top of a table next to a roll of paper

Get more out of your calculations

Use our handy calculators to crunch the numbers and see where you stand.
Girl in Black Tank Top Holding Black Smartphone

Understanding home loans

Read our handing articles to get yourself more clued up on what's involved with taking the next step.
man in black sweater using macbook pro

Call us, were here to help

Our expert insights will help guide you through the process and get you to your goal sooner.
Call now

Book an appointment

Experience the difference, we take out the leg work and we will fit into your schedule.
Book a chat

Start your application

We get it, you’re in the moment. Apply online and we will send you the top 3 rates for your loan.
Get started

Lending solutions for you.

We simplify the loan journey and make finance really happen for our customers.
0405 795 795
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.

Don't Be Shy, Say Hello.

  • You'll be contacted within 24 hours
  • You'll receive our Credit Guide & Welcome Pack
  • You choose a time and Adrian (your broker) will be ready for a quick chat