SMSF Property Lending
Purchasing property inside a Self-Managed Super Fund (SMSF) requires specialist compliance, Limited Recourse Borrowing Arrangements (LRBA), and bare trust knowledge. Our accredited brokers navigate the intricate lending guidelines on your behalf.
Key Strategic Advantages
How our accredited credit advisors structure this finance to protect your wealth and cash flow.
LRBA Compliance Expertise
Ensure your borrowing structure strictly adheres to Australian superannuation law and Bare Trust rules.
Commercial Property from 80% LVR
Purchase commercial real estate for your own business to lease from your SMSF at market rates.
Residential Property from 70-80% LVR
Leverage accumulated super balances to purchase high-yielding residential investment properties.
Panel of Specialist SMSF Lenders
Access competitive interest rates from tier-two and non-bank lenders actively funding SMSF loans.
Calculate Your SMSF Loans Numbers
Test scenarios using real-time Australian lending criteria.
The SMSF Loans Approval Process
SMSF & Trust Review
We review your SMSF trust deed, investment strategy, and contribution history.
Bare Trust & Custodian Setup
We coordinate with your advisors to ensure correct entity structuring before signing contracts.
Lender Approval
We package and submit the loan with compliant LRBA documentation.
Settlement Coordination
We coordinate settlement between trustee solicitors, bank lawyers, and vendors.
SMSF Loans Frequently Asked Questions
Does using Gravity Financial cost me anything?
No. Our complete mortgage advisory, comparison, packaging, and loan management is provided as a value added service with $0 out-of-pocket broker fee. We are remunerated directly by the chosen lender upon successful settlement of your loan. Lenders cannot charge you a higher interest rate or fee for going through a broker — in fact, we often negotiate exclusive broker-only discounts and cashback rebates.
Can I use my superannuation to buy commercial or residential property?
Yes, provided you have a compliant Self-Managed Super Fund (SMSF). The purchase must be executed via a Limited Recourse Borrowing Arrangement (LRBA) through a dedicated Bare Trust. Commercial property can even be leased back to your own business at market rates, providing tax efficiencies and asset protection. We work closely with your accountant to ensure full compliance.