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Property finance through your super

SMSF Loans Perth

Investing in property through a Self-Managed Super Fund (SMSF) can provide an opportunity to diversify your retirement savings, but borrowing through an SMSF involves specific rules, lending requirements and considerations. At Brighton Finance, we help SMSF trustees understand their property finance options and explore suitable lending solutions for purchasing eligible property through an SMSF. Whether you're considering your first SMSF property investment or adding to an existing strategy, we'll help you understand the finance side of the process.

  • Lender panel compared for SMSF borrowing
  • Works alongside your accountant and adviser
  • Residential, commercial and business real property
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SMSF property loans

SMSF Property Loans

Finance for your SMSF investment strategy.

An SMSF can potentially borrow to purchase certain property investments through a specific borrowing arrangement, subject to superannuation law, fund rules and lender requirements.

SMSF lending is different from a standard residential investment loan. The structure of the transaction, the SMSF, the property and the proposed loan all need to be considered carefully. That's why it's important to have the right professionals involved before making a commitment.

Brighton Finance can help you explore the available lending options while working alongside your accountant, financial adviser and other SMSF professionals where appropriate.

What Can You Use an SMSF Loan For?

Finance for eligible property investments.

Subject to the applicable rules and lender requirements, SMSF borrowing may be used to acquire certain types of property. The suitability of a particular property and borrowing arrangement depends on your SMSF's circumstances and the relevant legal and regulatory requirements.

Brighton Finance provides finance guidance and does not provide financial, legal or taxation advice. You should obtain appropriate professional advice before using your SMSF to invest in property.

  • Residential investment property — Purchase an eligible residential investment property through your SMSF as part of your broader investment strategy.
  • Commercial property — SMSF property investment can also include certain commercial properties, subject to the relevant requirements.
  • Business premises — For business owners, an SMSF may potentially acquire eligible business real property, subject to applicable superannuation rules and professional advice.

Who Can We Help?

  • Existing SMSF trustees — If you already have an SMSF and are considering purchasing property, we can help you explore your finance options.
  • Business owners — If you're considering eligible business real property through your SMSF, we can help you understand the potential finance requirements.
  • Property investors — If property forms part of your broader retirement investment strategy, we can help you explore suitable SMSF lending options.
  • Investors considering an SMSF — Speak with your accountant or licensed financial adviser first to determine whether an SMSF is appropriate for your circumstances. Once you understand the broader strategy, Brighton Finance can assist with the finance component.

Why Choose Brighton Finance?

Finance expertise with a broader perspective.

SMSF property lending requires careful consideration. At Brighton Finance, we focus on understanding your circumstances and finding a lending solution that fits within the broader strategy developed with your professional advisers.

  • Access to lender choice — We can compare suitable SMSF lending options across our lender panel.
  • Personalised guidance — We take the time to understand your proposed investment and finance requirements.
  • Clear communication — SMSF lending can involve unfamiliar structures and terminology. We explain the finance side of the process clearly.
  • Business experience — Founder Chintan Shah has experience as both a mortgage broker and business owner, giving him a practical understanding of investment and business finance.
  • Professional collaboration — We can work alongside your accountant, financial adviser and other professional advisers to help keep the finance component aligned with the broader strategy.

Important Things to Consider

SMSF borrowing isn't the same as a standard investment loan.

Before proceeding with an SMSF property purchase, it's important to understand the broader implications. Your professional advisers can help you consider matters such as:

Brighton Finance can assist with the finance and lending component, but SMSF investment, taxation and legal decisions should be discussed with appropriately qualified professionals.

  • Whether the investment is appropriate for your SMSF
  • Superannuation and borrowing rules
  • The structure of the borrowing arrangement
  • Investment strategy requirements
  • Tax considerations
  • Ongoing SMSF costs
  • Property-related expenses
  • Loan costs and repayments
  • Your overall retirement strategy

How it works

  1. 01

    Understand Your Investment Plans

    We start by understanding what you're looking to purchase and the role the property is intended to play within your SMSF strategy.

  2. 02

    Review Your Finance Position

    We'll consider the available information about your SMSF and proposed investment to understand the potential funding requirements.

  3. 03

    Explore Suitable Lenders

    SMSF lending policies can vary between lenders. We'll compare suitable options available through our lender network.

  4. 04

    Work With Your Professional Team

    Your accountant, financial adviser and other SMSF professionals may need to be involved in establishing and assessing the proposed arrangement.

  5. 05

    Prepare & Apply

    Once an appropriate lending option has been identified, we'll help you understand the application requirements and manage the finance process.

Common questions

Frequently asked questions

Can an SMSF borrow to buy property?

An SMSF may be able to borrow to acquire certain property under specific borrowing arrangements, subject to superannuation law, the fund's investment strategy and lender requirements.

Can I buy residential property through my SMSF?

Potentially. Residential property purchased through an SMSF must meet specific superannuation requirements. Speak with your accountant or financial adviser before proceeding.

Can my SMSF buy a commercial property?

Potentially. Commercial property can be eligible for SMSF investment, subject to the relevant rules and requirements.

Can my SMSF buy my business premises?

SMSFs may be able to acquire eligible business real property under certain circumstances. You should obtain appropriate legal, financial and taxation advice before proceeding.

How much can I borrow through an SMSF?

Borrowing capacity depends on factors including the SMSF, proposed property, income available to the fund, contribution levels and lender criteria. There is no single borrowing amount that applies to every SMSF.

Can Brighton Finance arrange SMSF loans in Perth?

Yes. Brighton Finance can help Perth-based SMSF trustees explore suitable property lending options and guide them through the finance application process.

Considering Property Through Your SMSF?

If you've spoken with your accountant or financial adviser and are considering property investment through your SMSF, Brighton Finance can help you understand your borrowing and lending options.

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