Self Managed Super Fund Loan.
Unlock your dream retirement through property!
- Fast approvals
- Expert Advice
Why Gusto Home Loans
20+ years of experience
in mortgage lending
Contact our team for a free consultation and discover your mortgage options.
SMSF-Approved Lenders
We have access to lenders who specialise in SMSF property loans, offering competitive rates and terms designed to meet ATO compliance requirements.
Step-by-Step Guidance
From your initial SMSF loan strategy to settlement, we handle every step so your property purchase is smooth, stress-free, and fully compliant.
Custom Loan Structures
Every SMSF is unique. We design tailored loan arrangements that align with your investment strategy, meet limited recourse borrowing rules, and will be low maintenance throughout the life of the loan.
Navigate SMSF Rules Quickly
SMSF property lending has strict compliance requirements, which can cause delays in finalising a purchase. Sellers don’t like delays and it is critical that everything is executed well to ensure you secure the best investment possible.
How we can help you secure an SMSF loan:
The Gusto Edge
Expert mortgage advice to give you clarity and confidence when preparing to buy through your SMSF.
- Fast pre-approval to get you started
- 30+ lenders to find you a great deal
- Fully online application process and Australia wide
- Personalised and responsive service
How does it work?
The Gusto Way
Fast-track your SMSF home loan to purchase your next investment with your superannuation.
Speak to our expert team today, and we will simplify the application process and ensure compliance with the additional requirements for an SMSF mortgage.
Free Consultation
A no-obligation consultation where we seek to understand your short and long term objectives, and confirm your SMSF meets ATO requirements for property.
Product Selection
Detailed information is prepared on the most suitable SMSF loan options for fund, and property type. Then a follow-up consultation to ensure you understand and all questions are answered.
Approval
A comprehensive application is submitted to the lender to ensure a prompt credit assessment and compliance with LRBA rules, to ensure a speedy outcome is achieved.
Settlement
We will liaise with conveyancers, real estate agents, and the lender to ensure you are on track for your settlement date and the transaction can be completed without any unexpected surprises.
Mortgage Services From Gusto Home Loans
Speak to our brokers today about the best home loan finance solutions for your circumstances.
SMSF Mortgage Loan FAQs
Questions? We're Glad you Asked.
Here’s a little more about how we operate to best serve those looking to invest in property via their Self Managed Super Fund. Got a more specific question? Feel free to get in touch.
An SMSF mortgage is a specialised home loan that allows a self-managed super fund to buy investment property under a limited recourse borrowing arrangement (LRBA). It’s designed to protect other fund assets while complying with strict Australian Tax Office (ATO) rules for superannuation property investments.
A property bought through an SMSF must meet the “sole purpose” test. Which means that it can only be acquired for the purpose of providing retirement benefits to members.
Therefore, you cannot live in a SMSF owned property as this would be a secondary purpose.
There are also additional restrictions on who is eligible to be a tenant. For example, you cannot rent to family members or other related parties.
An LRBA is a legal structure where the lender’s claim is limited to the property purchased with the SMSF loan.
This protects other assets in the fund from lender claims if the loan defaults.
As a result, the loan is in a higher risk category than a regular home loan and will be priced accordingly.
Your SMSF can purchase residential or commercial investment property in Australia, provided it meets superannuation investment rules.
The property must be for genuine investment purposes and comply with the sole purpose test.
You should also expect shorter maximum loan terms and higher interest rates if buying commercial property compared to residential.
SMSF mortgages generally require a deposit of 20–30% for residential properties and 30–40% for commercial properties.
The exact deposit depends on the lender’s criteria and the type of property purchased.
You may also elect for a larger desposit to ensure the cashflow from the property can cover the repayments for the life of the loan.
Yes, SMSF loans often have higher interest rates and fees due to their complexity and compliance requirements compared to a regular consumer home loan.
However, a competitive SMSF-approved lender can still offer strong long-term investment value for your fund.
SMSF lending is complex and requires strict compliance. A specialist broker ensures correct structuring, access to SMSF-approved lenders, and a smooth process from application to settlement without risking the non-compliance of your fund.
Your borrowing limit will be determined by the funds available in your SMSF, and the asset you are purchasing.
Lenders will have an loan-to-value ratio that is dependent on the type of asset you are purchasing. They will typically lend up to this amount, assuming there are sufficient funds in the SMSF to cover the balance of the purchasing costs.
As part of the initial consultation, our brokers will assess your borrowing power so you know where you stand prior to committing to a mortgage application for pre-approval.
We conduct all of our business online. You can submit an enquiry online in just a few minutes and we will be in touch in no time.
In the digital age we can accomplish most things via video calls, phone, email, and electronic signature platforms.
The short answer is no, and there are two main reasons for this.
The first is that we always start with the aim of being a long term partner in your property journey.
We can only do this if you are thrilled with our service. This includes finding the most suitable deal for you now, but also monitoring the market into the future for when things change.
The second is that there is a legal requirement for mortgage brokers to act in the best interests of their clients. This regulation was introduced to limit the potential for bad actors in the industry. Giving some peace of mind for those unsure about using a broker.
But our first reason, is our motivation regardless of the regulations.
There are various degrees of bad credit and the overall answer is that it depends on a range of factors.
SMSF loans are also assessed on the strength of the fund itself, the asset being purchased, and the forecast cash flow.
We have access to a large selection of SMSF lenders and our brokers know their criteria inside out.
Book a free consultation today so we can better understand your credit history and can assess what options you have for a home loan.