SMSF Property Loans › Why do many big banks not offer SMSF loans?

Why do many big banks not offer SMSF loans?

Several major banks stepped back from SMSF lending some years ago to simplify their operations. As a result, much of the SMSF property lending market is now served by specialist non bank and second tier lenders.

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

Why this matters

This is why finding an SMSF loan can feel harder than a normal mortgage, the familiar big bank names often will not be options. The specialists that remain have their own rules, rates and structures. A broker who works in this space knows which lenders are active and which suits your fund, which saves a lot of dead ends.

The key points

Several major banks exited SMSF lending.
Specialist and non bank lenders now serve it.
Familiar big bank names may not be options.
A specialist broker knows who is active.

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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.