SMSFLoans

Lending Solutions

Can you use your super to invest in property?

We specialise in complex cases.

Whether you’re a self-employed borrower seeking a loan, a business owner needing commercial finance, or a broker looking to partner with us, our team is ready to assist.

About SMSF lending

Whether you’re purchasing or refinancing an investment property, there are different ways to structure an SMSF loan depending on your financial situation. We work with a wide range of borrowers, including individuals, companies, and trusts — and specialise in handling more complex structures and non-standard profiles.

A professional smiling up from her laptop while colleagues talk behind her.

A self-employed professional working from a laptop in a café.

A modern residential apartment building with balconies among trees.

A man holding a model house while completing paperwork.

Loan purposes

Residential SMSF
Residential SMSF purchase or refinance.
Commercial SMSF
Commercial SMSF purchase or refinance.

Loan details

Clear, straightforward details to guide your decision.

Residential SMSFCommercial SMSF

Residential SMSF

Maximum loan amount: Up to$3,000,000

Maximum LVR: Up to90%

Loan term: Up to30 years

Minimum loan amount: $150,000

The loan

Security type: Residential investment property
Loan purpose: SMSF purchase or refinance

Verification required

Income type: SMSF trust deed, financials, contribution history, accountant’s letter for future contributions

Repayments

Repayment type: P&I or IO

Please note

No cash-out permitted, no asset test

Commercial SMSF

Maximum loan amount: Up to$3,000,000

Maximum LVR: Up to80%

Loan term: Up to30 years

Minimum loan amount: $150,000

The loan

Security type: Commercial property
Loan purpose: SMSF purchase or refinance

Verification required

Income type: SMSF financials + lease agreements

Benchmark figures are indicative only and are based on a range of comparable lending scenarios. Individual benchmark metrics are assessed independently and may not be available concurrently in the same lending scenario. Variations in assessment criteria and lender policy may influence how these benchmarks apply in individual circumstances.

Our approach

No two situations are the same, we tailor loan options to fit yours.

Buy with a smaller deposit
Available for individuals, companies, and trust structures.
Use rental income to support borrowing
In some cases, rental income may help cover repayments.
Flexible credit profile options
Solutions available for prime, near-prime, and specialist borrowers.
Reduced documentation pathways
Options may be available with simplified financial requirements (alt docs).
No minimum asset requirements (in some cases)
Solutions available without strict asset or liquidity thresholds.
Refinance made simpler
Fast-track refinancing options may be available under certain conditions.

Client stories

“Helped me secure all 5 of my mortgages and has made what can be a very overwhelming process feel seamless and well-managed… I always feel supported, informed, and confident in the decisions I’m making.”

Kirstin HFinSecure Brisbane SouthResidential | 5 properties

“From start to finish, she was incredibly knowledgeable, professional, and always happy to answer our questions… We truly appreciated her dedication and would highly recommend her to anyone looking for a trustworthy and reliable mortgage broker.”

Jessica SFinSecure ParramattaResidential | New Home Purchase

“From our very first meeting, they demonstrated total professionalism, extensive industry knowledge, and prompt responsiveness that kept us at ease… They made what could have been a highly stressful process completely seamless.”

Julie TFinSecure ParramattaResidential | End-to-End Support