SMSF Lending

SMSF lending is a specialised area where a Self‑Managed Super Fund borrows to invest, usually into a single investment property under strict ATO rules.

What Is SMSF Lending?

Self‑Managed Super Funds (SMSFs) can borrow to invest, typically into a residential or commercial investment property, using a structure known as a limited recourse borrowing arrangement (LRBA). Done correctly, this can help grow retirement savings by allowing your fund to control a larger asset than it could buy with cash alone, while keeping other SMSF assets protected if the loan goes wrong.

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How SMSF Lending Works?

With an SMSF loan, the fund borrows to buy a single acquirable asset (or a collection of identical assets with the same value), which is held in a separate holding trust. The lender’s rights are limited to that specific asset, so if the SMSF defaults, the rest of the fund’s investments are generally not exposed. The loan must comply with superannuation law, the SMSF trust deed and investment strategy, and satisfy the “sole purpose test”, meaning it must be for providing retirement benefits, not personal use.

Process overview:

The SMSF establishes a bare trust to hold the property
The SMSF pays the deposit and associated costs
The lender provides a limited‑recourse loan to the SMSF
Rental income and super contributions repay the loan
The property transfers to the SMSF once the loan is repaid

What You Can Buy With an SMSF Loan

SMSFs can purchase certain types of investment property, provided they meet the sole‑purpose test.

Eligible property types:

Residential investment property
Commercial property
Industrial property
Business premises for your own company (via arm’s‑length lease)

Not allowed:

Owner‑occupied residential property
Holiday homes for personal use

Types of Asset Finance We Offer

Beyond standard home loans, we help clients at every stage of property ownership.

Vehicle Finance

Finance options for cars, vans, utes, and commercial vehicles. Ideal for businesses needing reliable transport or expanding their fleet without large upfront costs.

Equipment Finance

Funding for machinery, tools, and specialised equipment across industries like construction, medical, transport, hospitality, and manufacturing. Helps you stay productive with modern, efficient equipment.

Technology & IT Finance

Flexible finance for computers, servers, software, and tech upgrades. Perfect for businesses wanting to stay ahead with the latest technology while spreading costs over time.

Heavy Machinery Finance

Tailored solutions for excavators, loaders, trucks, and industrial machinery. Designed for businesses in construction, mining, agriculture, and logistics.

Fit‑Out & Asset Upgrade Finance

Finance for shop fit‑outs, office upgrades, and commercial refurbishments. Helps you create a professional, functional space without draining your cash reserves.

Why Australians Choose Mortgage Companion

Tailored Advice

We don’t believe in one‑size‑fits‑all lending. Your goals, lifestyle, and financial situation shape our recommendations.

Access to multiple lenders

We compare loans from major banks and specialist lenders to find options that suit your situation, not just one brand.

Local & national knowledge

We understand the Australian lending landscape and how policies vary between lenders.

Support from start to finish

You deal with a real broker who stays involved until the loan settles and beyond.

Proven Client Satisfaction

100% recommendation rate from reviews, with clients highlighting our dedication and outstanding results.

Long-term guidance

We check in over time to make sure your loan still suits your needs as rates and circumstances change.

Now It's Your Turn

Ready to explore your car finance options?

If you are thinking about buying a new or used car in the next few months, it is worth talking through your finance options before you visit the dealership. Book a chat with Mortgage Companion to review your budget, credit profile and preferred cars, and receive clear, no‑pressure guidance on the personal vehicle finance options that could suit you best.

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Frequently Asked Questions

Answers to common questions about our services, how we work, and what to expect at each stage.

How much deposit do I need for a home loan?

Most lenders prefer a 20% deposit, but you can still buy with as little as 5% depending on your situation. Some government schemes also allow eligible buyers to purchase with a smaller deposit.

How long does home loan approval take?

Pre‑approval usually takes 1–3 business days, depending on the lender and how quickly documents are provided. Final approval can take 5–10 days after you’ve found a property.

What documents do I need to apply?

Typically:

Payslips or income statements
Bank statements
ID (driver’s licence or passport)
Details of existing loans or debts

We’ll give you a simple checklist so nothing gets missed.

Should I choose a fixed or variable interest rate?

It depends on your goals.

Fixed rates offer stability and predictable repayments.
Variable rates offer flexibility and potential savings if rates drop. We help you compare both options based on your financial plan.

Can I get a home loan if I’m self‑employed?

Yes — absolutely. Self‑employed borrowers may need extra documentation (like tax returns or BAS statements), but there are plenty of lenders who specialise in these situations.