SMSF lending
An SMSF loan should do more than tick compliance boxes
Buying property through your super fund means navigating strict ATO and lender rules, but compliance is only half the job. My focus is structuring the loan so it builds long-term retirement wealth, not just gets you across the line.
Prefer to talk first? Call Durand direct on 0450 275 656
Two loans, one strategy: funding a factory move without disrupting the business
Situation: A lease running out, and an SMSF with more capacity than they realised.
Result: A factory bought below market value, and a move with no lost production days.
A commercial spray-painting business, specialising in two-pack spray finishes for kitchen cabinetry, came to me with their lease running out and no clear plan for where to go next. They already had an SMSF in place but hadn’t realised how much capacity it actually had. Reviewing the fund’s financials alongside projected rental income showed more room to move than they’d assumed, and when a factory came up for sale below market value, the opportunity to buy rather than lease again arrived sooner than expected.
I built the case for the lender around the fund’s numbers and the property’s rental potential to get the SMSF loan approved. But buying the factory only solved half the problem. Moving a spray-painting operation’s equipment isn’t cheap, and dipping into company profits to fund it would have squeezed the business at exactly the wrong time. So I arranged a second, smaller commercial loan through the business itself to cover the equipment relocation, keeping the SMSF purchase and the business’s cash flow completely separate.
The result: two loans, one coordinated strategy. The business moved into its new premises without a single day of disrupted production, and without touching a dollar of company profit to get there.
Sound like your situation? Tell me about your fund and what you’d like it to buy, and I’ll show you how I’d structure it.
More complex than a standard investment loan
Buying property through your SMSF isn’t just a regular investment loan with extra paperwork. The property sits inside a Bare Trust, the loan has to meet strict ATO and lender compliance rules, and the whole structure needs to work within your fund’s broader retirement strategy, not just make sense as a standalone purchase.
It's a strategy best suited to
- High-income professionals with strong super balances
- Clients looking to diversify into residential or commercial property
- Long-term investors comfortable with superannuation structures
- Those with a trusted accountant and/or financial adviser in place
Why clients choose me for SMSF lending
I don’t just get SMSF loans approved, I look for the detail in your fund and your numbers that makes the difference between a structure that merely complies, and one that actually builds wealth.
How I can help
Getting your SMSF loan approved isn’t the goal. Structuring it so it genuinely builds retirement wealth is. Here’s where I focus for every SMSF loan.
Retirement-focused structuring
I don’t just get the loan across the line, I make sure the structure supports how your fund’s wealth compounds over the years ahead, not just this one purchase.
SMSF loan structuring
Guidance through compliant borrowing arrangements, coordinated with your legal and financial team from the outset.
Lender navigation
Matching your SMSF with lenders experienced in superannuation property loans, for competitive rates and terms.
Bare trust & compliance support
Working alongside your accountant, financial planner and other professionals to ensure correct setup and avoid costly mistakes.
How SMSF lending with me works
SMSF lending is complex. The process working with me shouldn’t be.
Why professionals work with me
You’ll deal with me throughout, coordinating with your accountant, adviser and solicitor so nothing falls through the cracks.
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Lenders on panel
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SMSF lending FAQs
What is SMSF lending?
SMSF lending involves using your self-managed super fund to borrow and purchase investment property. The property is held in a special legal structure called a Bare Trust, and the loan must comply with strict ATO and lender rules.
Who is SMSF lending suited to?
It suits high-income professionals with strong super balances, clients looking to diversify into residential or commercial property, long-term investors comfortable with superannuation structures, and those who already have a trusted accountant or financial adviser in place.
What is a Bare Trust and why does it matter?
A Bare Trust is the legal structure required to hold property purchased through an SMSF loan. It’s what keeps the arrangement compliant with ATO rules, and getting the setup right from the start avoids costly mistakes down the track, which is why this is coordinated closely with your accountant and financial planner.
Can I buy commercial property through my SMSF?
Yes. Many SMSF investors purchase commercial property, including their own business premises, through their fund. It’s covered in more detail on the Commercial Property Loans page, since the property side of the transaction involves its own considerations.
Ready to explore SMSF lending?
Tell me about your fund and your goals and I’ll come back with the lending structure that actually fits.
Prefer to talk now? Call 0450 275 656 or email durand@willowandreedprivate.com.au
Related reading
Want to go deeper before you get in touch? Start here.
Your SMSF lending roadmap
A step-by-step look at how the SMSF lending process actually works, from structure to settlement.
7 key considerations when buying commercial property through an SMSF
What to weigh up before your fund buys a commercial property.
Explore more lending options
SMSF lending is one piece of the picture. Here’s where else to look.
Commercial lending
See the full range of commercial lending services, including how commercial and SMSF lending work together.
Commercial property loans
Buying an office, retail space or industrial asset, including through your SMSF? See how commercial property loans work.
Residential lending
Looking for a home loan, refinance or investment property loan outside your super fund? Explore residential lending services.