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. The real work is structuring the loan so it actually builds long-term retirement wealth, not just gets you across the line.
My focus isn’t just getting your SMSF loan approved — it’s making sure the structure works for your retirement, not just this purchase.
Prefer to talk first? Call Durand direct on 0450 275 656
How I can help
With over 23 years in financial services – not just mortgage broking – I bring a depth of understanding to superannuation, compliance and lending that most brokers simply don’t have. Getting your SMSF loan approved isn’t the goal. Structuring it so it genuinely builds retirement wealth is.
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.
Cash flow & investment review
Making sure your fund can service the loan sustainably, in line with your broader investment strategy.
Coordination with your accountant & adviser
SMSF lending rarely sits in isolation — I work directly with your existing professional team so every part of the structure lines up.
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.
Cash flow & investment review
Making sure your fund can service the loan sustainably, in line with your broader investment strategy.
Coordination with your accountant & adviser
SMSF lending rarely sits in isolation — I work directly with your existing professional team so every part of the structure lines up.
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.
Cash flow & investment review
Making sure your fund can service the loan sustainably, in line with your broader investment strategy.
Coordination with your accountant & adviser
SMSF lending rarely sits in isolation — I work directly with your existing professional team so every part of the structure lines up.
Two loans, one strategy: funding a factory move without disrupting the business
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, we arranged a second, smaller commercial loan through the business itself, specifically 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.
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
With over 23 years in financial services, I understand the intersection of lending, regulation, and retirement planning better than a broker who only compares rates. 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.
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
With over 23 years in financial services, I understand the intersection of lending, regulation, and retirement planning better than a broker who only compares rates. 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 navigate your next move
SMSF lending is complex. The process working with me shouldn’t be.
Why professionals work with me
Every SMSF lending strategy is delivered by the same person, start to finish – not handed between call centre staff.
23+
Years in financial services
70+
Lenders on panel
5★
Client feedback
1:1
End-to-end service, no handoffs
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 our Commercial Property Loans page, since the property side of the transaction involves its own considerations.
Does it cost anything to get advice on SMSF lending?
No. Mortgage broking services are typically provided at no direct cost to you, as Willow & Reed Private Wealth is paid a commission by the lender once your loan settles. A full breakdown is available on request.
How quickly can I get started?
The first step is usually a short conversation to understand your fund, your goals and your existing set up, which can typically happen within a few days of getting in touch. From there, timing depends on your fund’s structure and how quickly your accountant and financial planner can coordinate.
How is your approach to SMSF lending different from a typical broker?
Most brokers treat an SMSF loan as a compliance exercise – get the Bare Trust right, meet the lender’s checklist, done. With over 23 years in financial services, I look beyond that to whether the structure actually supports your retirement strategy over the years ahead, not just whether it settles.
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
A practical look at what’s worth weighing up before refinancing an existing loan — commercial or otherwise.
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
A practical look at what’s worth weighing up before refinancing an existing loan — commercial or otherwise.
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
A practical look at what’s worth weighing up before refinancing an existing loan — commercial or otherwise.
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.
Ready to explore SMSF lending?
Tell us about your fund and your goals and we’ll come back with the lending structure that actually fits.
Prefer to talk now? Call 0450 275 656 or email durand@willowandreedprivate.com.au