SMSF Loans

Using Your Super to Build Wealth Through Property

If you have a Self-Managed Super Fund and you have ever wondered whether you could use it to buy property, the answer is yes - and more Australians are doing it than ever before. An SMSF loan allows your fund to borrow money to purchase an investment property, whether that is a residential home or a commercial building. At Australian Home Loan Review Co, we work with clients across Perth and Australia-wide to help them understand how SMSF property loans work and whether this strategy makes sense for their financial goals. Getting the right advice early can make a significant difference to the outcome of your investment.

The structure behind an SMSF loan is a little different from a standard home loan, and that is worth understanding before you dive in. SMSF borrowing is done through what is called a Limited Recourse Borrowing Arrangement, or LRBA. Under this arrangement, the property is held in a separate SMSF bare trust until the loan is fully repaid, at which point ownership transfers to the fund. This structure protects the other assets inside your super fund if something goes wrong with the loan. It sounds technical, but the team at Australian Home Loan Review Co is here to walk you through every step so you feel confident in what you are doing.

One of the most important things to get right with an SMSF loan is making sure your fund meets the SMSF sole purpose test. This means the fund must exist solely to provide retirement benefits to its members - you cannot, for example, live in a property owned by your SMSF or use it for personal benefit. Beyond compliance, there are also financial considerations to think through carefully. SMSF loan interest rates, SMSF loan LVR limits, and SMSF deposit requirements all differ from standard investment loans, and lenders assess SMSF borrowing capacity differently too. Knowing what to expect before you apply saves time and helps you plan with confidence.

When it comes to the numbers, SMSF loans typically require a higher deposit than standard investment loans, with most lenders requiring at least 20 to 30 percent of the property value. SMSF loan interest rates can be offered on either an SMSF variable rate or SMSF fixed rate basis depending on the lender and your fund's circumstances. The good news is that there can be meaningful tax advantages inside super, including concessional tax on SMSF rental income and access to the SMSF CGT discount if the property is held for more than 12 months. Australian Home Loan Review Co can help you compare SMSF lenders to find a loan structure that suits your fund's needs.

Whether you are looking at an SMSF residential loan to add a rental property to your retirement strategy, or an SMSF commercial loan to purchase business premises, the process starts with understanding your options. As an experienced SMSF mortgage broker, Australian Home Loan Review Co takes the time to understand your situation before recommending anything. We compare SMSF lenders across the market, help you prepare a strong SMSF loan application, and support you from the first conversation through to settlement. If you are thinking about using super to buy investment property, reach out to our team today and let us help you take the next step with clarity and confidence.

How We Help You Secure an SMSF Loan

1. Free Home Loan Review
We begin with a complimentary review of your current home loan to understand your financial goals and identify opportunities to save.

2. Compare Loan Options
Our mortgage specialists compare a wide range of lenders and loan products to find refinancing options that best suit your needs.

3. Personalised Recommendation
We explain your options in plain English, outlining the potential savings, costs, and benefits so you can make an informed decision.

4. Application & Approval
Once you’ve chosen a loan, we handle the paperwork, liaise with the lender, and guide you through the approval process from start to finish.

5. Settlement & Ongoing Support
After your new loan settles, we remain available to answer your questions and provide ongoing reviews to ensure your home loan continues to meet your financial goals.

About Australian Home Loan Review Co

At Australian Home Loan Review Co., we’re committed to helping Australians make confident home loan decisions.

Rather than approaching just one lender, we compare loan options from more than 49 Australian lenders, helping you explore solutions that align with your needs, objectives and financial goals.

Once we’ve identified suitable options, we’ll connect you with one of our trusted mortgage broker partners, who will guide you through the application process from start to settlement.

Whether you’re refinancing, buying your first home, building, investing or upgrading, we’re here to make your home loan journey simpler, more transparent and tailored to you.

Book Appointment

What Our SMSF Loan Clients Are Saying

DM

Daniel Mitchell

Highly recommend, very professional and friendly. We had a great experience, the whole process was easy and quick too.

TP

Tom P

Highly recommend Rob and his team. We have used Rob for a number of years now and he always delivers the outcomes we need. Makes the process really straight forward and efficient, and is able to explain options in an easy to understand way. Rob is exceptionally hardworking and genuinely invested in helping his clients achieve their goals. Rob is very well supported by Sue and Julie who are also great to deal with.

MK

Michael Karimalis

Rob and his team very professional helped me allot through the loan process. Highly recommend this company for any loans, refinancing etc.

Frequently Asked Questions

What’s the difference between Australian Home Loan Review Co. and a mortgage broker?

Australian Home Loan Review Co. isn’t a traditional mortgage brokerage.
Our role is to review your current home loan and determine whether you’re still getting a competitive deal.
Using a panel of more than 49 trusted Australian lenders, we compare your existing loan with today’s market to identify opportunities to reduce your repayments, save on interest, access equity, or improve your loan features.

If your current loan is already one of the best options available, we’ll tell you.
If we find a better solution, we’ll explain why it’s worth considering and then connect you with the most suitable mortgage broker in your area to guide you through the refinancing process from start to finish.
Think of us as your independent home loan review specialists. We help you understand your options first, so you can make an informed decision with confidence.

How do I know if I’m paying too much for my home loan?

The only way to know is to compare your current loan with today’s market. Interest rates, lender policies and home loan products change regularly, so a loan that was competitive a few years ago may no longer be the best option. Our free Home Loan Review helps you understand whether you could save money or improve your loan.

Is the Home Loan Review really free?

Yes. Our Home Loan Review is completely free and comes with no obligation. We’ll assess your current loan, compare it with available options and let you know whether there may be a better solution for your circumstances.

How long does a Home Loan Review take?

It takes around 2 minutes to submit your details. Once we’ve reviewed your loan, one of our lending specialists will contact you to discuss the results and answer any questions you may have.

Will checking my loan affect my credit score?

No. Requesting a Home Loan Review does not affect your credit score. We simply review your current loan and discuss your options before any formal application is made.

What happens if you find a better home loan?

If we identify a better option, we’ll explain the potential benefits, including lower repayments, reduced interest costs or improved loan features. If you decide refinancing is the right move, we’ll connect you with an experienced mortgage broker to guide you through the process.

What if refinancing isn’t the right option?

We’ll tell you. Our goal isn’t to refinance every loan—it’s to help you make an informed decision. If your current loan is already competitive, we’ll let you know and explain why.

Can I access equity in my home?

Possibly. If your property has increased in value or you’ve built up equity over time, you may be able to use it for renovations, purchasing an investment property, debt consolidation or other financial goals. We’ll explain the options available to you.

Can I use Australian Home Loan Review Co anywhere in Australia?

Absolutely. Our Home Loan Review is completed online, so we can assist homeowners across Australia. Whether you’re in Perth, Sydney, Melbourne, Brisbane, Adelaide, Hobart , Darwin or regional Australia, we’re here to help.

What information do I need to get started?

Getting started is simple. In most cases, we’ll ask for some basic information about your current home loan, your property and your financial goals. If a refinance is recommended, we’ll guide you through any additional documents you may need.

Why choose Australian Home Loan Review Co?

Because we’re focused on one thing—helping Australians make sure they’re not paying more than they need to on their home loan.
We provide honest, obligation-free advice, compare your current loan with today’s market and help you understand your options. If refinancing makes sense, we’ll connect you with the right lending specialist to make the process easy.