SMSF Property Loans › What is an SMSF property loan?

What is an SMSF property loan?

An SMSF property loan lets a self managed super fund borrow to buy residential or commercial investment property. Because super is tightly regulated, the borrowing must sit inside a special structure, and the property is held as an investment of the fund.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

SMSF lending is a specialised area, very different to a normal mortgage. The loan, the structure and the property all have to meet strict superannuation rules, and getting any of it wrong can have serious consequences for the fund. This is general information only, SMSF borrowing should be entered into with licensed financial, tax and legal advice.

The key points

A super fund borrows to buy investment property.
It must sit inside a special, regulated structure.
The property is an investment of the fund.
General information only, get licensed advice.

Free, no obligation

Explore an SMSF property purchase

Answer a few quick questions and we can talk through your options with the specialist SMSF lenders. No cost, no obligation. This is general information, not financial advice.

Check Your Options

A few quick questions, no obligation.

What is your goal?

Buy a home or investment property First home, next home, or adding to your portfolio Build a house or develop land New build, renovation, duplex, or subdivision project Lower my current repayments Better rate, release equity, or restructure existing debt Finance an established commercial property Business premises or commercial investment asset

Tell us a bit more about the plan

How do you earn your income?

Standard salary or wage Full-time, part-time, or casual employment (PAYG) Self-employed or business owner Sole trader, company director, or contractor

How is your credit score?

This helps us match you to the right lender from the start.

Healthy No issues that I am aware of A few small marks A couple of late payments, now caught up Not sure, or it is complicated We work with specialist lenders for these situations

Last step. Where should we send your options?

Your information is private and we will never share it.

First Name

Last Name

Email Address

Australian Mobile Number

By submitting, you agree to be contacted by one of our team of licensed mortgage brokers. No obligation. No spam.

You're all set.

We've received your details. One of our friendly brokers will reach out within 1 business day to help guide you through your options.

More smsf property loans questions

Back to the full SMSF Property Loans guide

Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.