Who Is Left To Lend To Smsfs?
Borrowing to buy a property in your Self-Managed Super Fund is a relatively new and exciting wealth creation strategy. Though it is not suited for everyone, those that are suited to it should seriously consider the option.
Written by
Invested In You
This is why our professional services go well beyond tax compliance and corporate accounting services. At Curve Accountants, our comprehensive approach is designed to present you with proactive, tailored advice that allows you to make smart financial decisions. From strategies for managing wealth and minimising tax to succession planning and business restructuring, we are committed to offering advice tailored to your unique situation.
Who Is Left To Lend To Smsfs?
When the law first changed to allow SMSFs to borrow, only a few specialist lenders went into the market. The four major banks took several years to follow suit, and only three of them had a publicly offered product with the fourth doing loans only for “special clients”.
Recently the major banks have completely pulled out of lending to SMSFs to buy property, leaving only a few of the smaller banks or non-bank lenders to do so. Some specialists focus primarily on lending to SMSFs.
Another option to borrowing directly from a financial institution is that you yourself can lend the money to your SMSF. In many instances, this is the best course of action. Even if you do not have the funds easily at hand, you can borrow against your own home and lend the money to your SMSF.
If you already have an SMSF loan or are thinking about obtaining one, contact a reputable broker with experience in SMSF loans to ensure the best product is selected for your needs.
Helpful tip:
Before applying for SMSF lending, compare lender requirements and ensure your fund can meet ongoing repayment obligations. Consider the long-term risks as well as the borrowing benefits. Independent advice can help determine whether borrowing through an SMSF is appropriate for your circumstances.
BERIVAN DUBIER
DIRECTOR
Reviewed by
SEAN DWYER
Edited by
Alix Dower
PRACTICE MANAGER
Free eBook Download
Starting A Medical Practice
David has extensive experience in writing, editing and marketing before joining iSelect in 2023 as Digital Editor. When not making our content better, you can find them browsing log cabins for sale in the forest.
REQUEST DOWNLOAD
Buying An Established Medical Practice
REQUEST DOWNLOAD
FAQ
Lorem ipsum dolor sit amet?
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
Consectetur adipiscing elit sed do eiusmod?
Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.
Duis aute irure dolor in reprehenderit?
Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
Excepteur sint occaecat cupidatat non proident?
Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
Related Blogs
How Tax Deductions and Offsets Work in Australia
Understanding the difference between tax deductions and tax offsets can help you make better financial decisions and avoid paying more tax than necessary. While both can reduce...
2026-27 Federal Budget – What the Federal Budget means for you, your family, and your business
BERIVAN DUBIER Last Updated May 13, 2026 | Fact checked | Your financial journey is an inherent part of your well-being and happiness. When you feel confident and your finances...
Payday Super FAQs for Small Business Clients
From 1 July 2026, the way employers pay super is changing. These FAQs explain what Payday Super means for your business, what’s different, and what you need to do to get...
Find Out How Curve Accountants Can Help
