SMSF Loans
What is an SMSF Loan?
An SMSF loan allows your Self-Managed Super Fund to borrow money to purchase investment property, with strict compliance rules. The property is held in a trust and rental income contributes to loan repayments.
How Lend Dreams Can Help You:
We ensure your SMSF loan meets all regulatory guidelines and is structured to protect your retirement savings. We work with lenders.
Things to Consider:
Strict Lending Rules:
SMSFs can only borrow under limited recourse borrowing arrangements (LRBAs), meaning the lender’s claim is limited to the property. These rules protect the fund but limit lender options.
Higher Deposit Requirements:
Most SMSF loans require at least 20–30% deposit plus liquidity buffers in the fund. We help calculate the fund’s buying power based on current balances.
Limited Lender Pool:
Only a small number of lenders offer SMSF loans. We work with specialist lenders who understand the legal and compliance side of SMSF lending.
Ongoing Compliance & Management:
SMSF trustees must ensure the property investment complies with ATO regulations. We work closely with your accountant or planner to ensure the loan is set up correctly.