SMSF Investment Loans - a quick primer

August 29, 2024

Setting up your own self managed super-fund to invest in real estate may be a really tax-effective investment strategy for you and your partner. We know that this form of investment is still gaining in popularity, with more & more lenders offering loan products specifically designed for this type of purchase. As it has its own level of complexity, you need an experienced mortgage professional who can steer you through all the confusing industry jargon & recommend the best & most suitable loan product that meets your needs, goals & objectives.

SMSF Investment Loans

Setting up your own self managed super-fund to invest in real estate may be a really tax-effective investment strategy for you and your partner. We know that this form of investment is still gaining in popularity, with more & more lenders offering loan products specifically designed for this type of purchase.

As it has its own level of complexity, you need an experienced mortgage professional who can steer you through all the confusing industry jargon & recommend the best & most suitable loan product that meets your needs, goals & objectives.

I am an experienced finance professional who has an accounting background, so I fully understand how SMSF loans work, and which lenders are offering the best SMSF loan products right now.

As an example, did you know?

You (and your relatives) are never allowed to live in the property you purchase through your SMSF. The property must be for investment purposes, with the sole intention of always being rented out.

You cannot build a new property using your SMSF. The property you purchase through your SMSF must be an existing, already-established property.

You cannot borrow further money to renovate or repair your SMSF investment property. Any renovations or repairs must be paid for out of the existing fund, and they must not be classified as ‘improvements’ to the property.

Not all lenders offer SMSF loans in all states, and territories. In fact, some lenders will not allow SMSF loans in some regional areas. Best to allow me to check first.

Your personal income & personal debts or expenditure are not taken into account when a lender assesses your ability to repay an SMSF loan. The lender will only look at the balance of the super fund, the expected weekly rent, and your on-going super contributions into the fund. Your super fund becomes the subject of the credit assessment, not you.

Generally speaking, interest rates & lender fees are slightly higher for SMSF loans than standard ‘regular’ investment home loans.

Some lenders offer ‘Interest only’ loan repayments, as well as principal & interest loan repayments.

Some lenders will go as high as 80% LVR for SMSF purchases.You just need to have at least 20% in your fund for deposit + costs.

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5 stars for our service reviews from clients

Considering getting an Investment Loan via your SMSF?

I can help you with critical aspects including

Do's and don'ts of investment properties when held via your SMSF
Managing the process including with your SMSF Admin or Accountant
How lenders assess SMSF loans

Call me on 0488881115 or book in a call using the button below

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August 29, 2024

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Rebecca David

April 2, 2026

I can’t recommend my mortgage broker Jessica Southerwood and the UNO team highly enough. From start to finish, they made what felt like an overwhelming process so much easier for me. They took the time to truly understand my situation and worked tirelessly to refinance my Investment home loan and consolidate debts into a structure that actually works for me and my family. Not only did they secure us a great rate, but they also gave us clarity, confidence, and a clear path forward with our finances. Their communication was outstanding throughout and always available to answer questions and explain things in a way that made sense. Thanks to their expertise and dedication, I am now in a much stronger financial position and can focus on what matters most for our family. If you’re looking for someone who genuinely cares and delivers results, I wouldn’t hesitate to recommend Jess and the UNO team. Thanks again.

Laura

March 31, 2026

After owning my property for a few years undertaking substantial house renovations I found myself in a situation where I had run out of cash to finish due to rising building costs at the time. I wanted to refinance to free up equity from my home to ultimately finish my house renovations and give me an extra cash buffer. I honestly thought it would be out of reach for me and the sole home owner and was going to be pretty much impossible. However, Mike Parsons from Uno Home Loans found a way to make it happen. He was incredibly thorough and really took the time to explore every option instead of just going with the obvious ones, which made a huge difference to me in the end. Not only that, he also kept me in the loop the whole way through— always checking in, explaining things clearly, what the next steps would and generally made the whole process feel way less stressful than I expected. Thanks to Mike, I was able to free up equity when I didn’t think it was on the cards at all. This has since allowed me to complete some more home improvements which is not only a great feeling but has added more value to my home and my living situation in general. On top of that it has also provided me the extra comfort of having additional cash to support rising monthly living costs. If you want someone who genuinely cares and will go the extra mile to get you a result, then Mike Parsons is your man! I cannot recommend him enough!

Bryan Custodio

March 30, 2026

Complex self-employed deal done incredibly fast. I’m a commercial finance broker myself and have dealt with a lot of brokers. Scott is easily the best I’ve come across. My situation involved multiple businesses and low documentation, which is usually where things get messy, slow, and dragged out. Scott handled it seamlessly. He knew exactly how to structure everything from the start and was clear on what would be needed at each stage, which meant no unnecessary back and forth with the lender. The whole process was smooth, efficient, and far quicker than I expected given the complexity. If you’re self-employed and want someone who actually understands how to get these deals approved without the usual headaches, I’d strongly recommend reaching out to him.

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Georgina Brooks

March 19, 2026

I wish the 5 star rating was out of 100 because I would’ve given it 100/100 star rating. My husband and I have been clients of Jess for a good 3 years now and Jess has been the absolute best to us. She is so reliable, patient, knowledgeable, approachable and beautiful - the list goes on! She exceeds expectations. She has been through the ups and downs and has helped navigate throughout the way. Most importantly as this is our first home, she has educated us on so much that happens in the buying market. I 10000000% recommend her to be your broker. She is like no other. So thank you Jess for everything you have done for Mitchell and I, you don’t realise how much we appreciate everything you have strived for us.

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March 4, 2026

I honestly couldn’t recommend Jake de Ruyter more highly! From start to finish, he was absolutely amazing. He made the entire process smooth, stress-free, and easy to understand. His communication was excellent, he was incredibly quick to respond to emails, phone calls, and messages. No matter what we asked, he got back to us straight away and explained everything clearly, which made the whole process feel so much less stressful. Thank you for such an outstanding experience!

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February 13, 2026

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Desert Rose

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SMSF Investment Loans - a quick primer

Considering getting an Investment Loan via your SMSF?

Try Plans by UNO

Related Articles

Tips and Tricks to Maximise Your Home Loan (Without Refinancing or Stress)

Understanding the Home Guarantee Scheme: How More Australians Can Enter the Property Market with a 5% Deposit

Understanding Binding Financial Agreements (BFAs): How They Protect Couples and Their Property

What our customers are saying