Self Managed Super Fund Lending
SMSF Lending – Invest in Property with Your Super
At Better Money Lenders, we help Australians unlock the potential of their superannuation through SMSF lending solutions. If you have a Self-Managed Super Fund (SMSF) and want to invest in residential or commercial property, the right loan structure is essential.
At Better Money Lenders, we help Australians unlock the potential of their superannuation through SMSF lending solutions. If you have a Self-Managed Super Fund (SMSF) and want to invest in residential or commercial property, the right loan structure is essential.
Unlike traditional banks, our role is to put your best interests first. We’ll guide you through the rules and restrictions of SMSF borrowing, compare lenders, and ensure you understand exactly how the loan will work within your super fund.
Key Features of SMSF Loans
While lending policies vary between banks and non-bank lenders, SMSF loans typically include:
- Loan Terms – up to 30 years for residential property; up to 15 years for commercial property
- Loan-to-Value Ratio (LVR) – generally up to 70–80% for residential property; up to 70% for commercial property (varies by lender)
- Minimum Loan Amounts – usually from $100,000 (varies depending on lender)
- Repayment Types – principal and interest repayments are most common; some lenders allow interest-only periods
- Fixed and Variable Rates – choice of fixed rates (1–5 years, some up to 10) or variable rates
- Costs and Fees – establishment fees, legal fees, and ongoing account fees apply; these vary by lender
Why Work with Better Money Lenders?
Extensive Lenders
We’re accredited with over 30 banks and lenders, which means you get access to a broad range of SMSF lending options. This flexibility allows us to find a solution tailored to your fund’s needs, rather than limiting you to just one product.
Regulation Experts
SMSF lending must comply with strict ATO and SIS Act rules, and mistakes can be costly. Our expertise ensures your loan is structured correctly from the start, giving you peace of mind and protecting your retirement strategy.
Team Collaboration
We don’t just arrange the loan—we also work closely with your accountant or financial adviser. This collaborative approach makes sure your borrowing strategy fits seamlessly within your overall SMSF and wealth plan.
Clear Guidance
SMSF loans can feel complicated, but we keep things simple. You’ll receive clear, transparent advice at every stage, so you always feel informed and confident in the decisions you’re making.