Self-Managed Super Fund Finance Solutions
Institutional-grade leverage for retirement capital
To turn your superannuation into a true engine for wealth creation, we translate your fund’s balance into genuine purchasing power, accessing specialised lenders who offer non-recourse borrowing for major property acquisitions.
From diversifying into residential property to acquiring commercial real estate, we structure the loan to ensure your asset is correctly held within a Bare Trust, allowing you to capture capital growth while supporting your fund's compliance requirements.
Backed by Australia’s leading specialist lenders for complex entities and self-managed super funds
Integrated lending structures for self-managed investors
Secure your business headquarters via your SMSF. We structure facilities where business rent pays down the loan, building equity within your fund over time.
Commercial Premises
Diversify with direct residential property. We access niche lenders for up to 90% LVR, managing complex trust structures for a seamless settlement.
Residential Investment
Refinance legacy debt to improve fund cash flow. We transition existing facilities to competitive market rates, reducing interest costs to accelerate your net asset growth.
SMSF Refinancing
We coordinate with your advisory team to ensure Bare Trust and loan structures meet strict ATO guidelines, protecting your fund’s long-term compliance status.
Compliance & Strategy
Frictionless coordination with your advisory team
Delays in SMSF settlements typically stem from incomplete entity setups or lags in rolling over funds, compounded by the complexity of processing trust structures through standard banking channels.
Engaging your advisors early is critical. Once established, we act as the central conduit between your accountant, planner, and the lender — managing the technical execution to guarantee a compliant settlement.
Aligning retirement capital with infrastructure growth.
We identify commercial assets positioned to benefit from South East Queensland’s infrastructure pipeline. From the Olympic precincts to major transport upgrades, we help you target locations with long-term capital upside.
We present these growth factors to lenders to mitigate their risk concerns, helping you secure funding for assets in high-demand future corridors.
Core Markets: Sunshine Coast • Brisbane • Gold Coast • Regional QLD
Case study
A multi-layered SMSF acquisition for an experienced investor
Challenge:
An experienced investor wanted to buy a Victorian property through their SMSF to build retirement wealth. However, a recent job change, irregular super contributions, and a past credit issue made standard lenders hesitant to proceed.
Strategy:
Working closely with their financial planner, we modelled borrowing capacity and ensured the SMSF was set up correctly. We then used our direct lender relationships to address the credit issue upfront, proving the strength and stability of their new employment.
Outcome:
By anticipating the lender’s concerns and presenting a clear case, we secured the funding approval to meet strict settlement deadlines. The client successfully purchased the property, overcoming early hurdles to take a major step forward in their retirement strategy.
SMSF Finance
Common Questions
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Since the major banks withdrew from the sector, SMSF lending is now the domain of specialised Tier 2 banks and private funders. We hold direct accreditations with these niche lenders, giving you access to competitive rates and interest-only terms that are no longer available on the high street.
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Yes. Acquiring "Business Real Property" can be a smart strategy for directors. Your trading company pays rent directly to your SMSF, with the fund's concessional tax treatment potentially enhancing your retirement wealth. Your accountant can confirm how this applies to your specific structure.
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The biggest error is signing a purchase contract before your entity structure and funding strategy are fully aligned. An incorrectly executed contract can cause major compliance headaches or invalidate the loan. We coordinate closely with your accountant to ensure your structure is purchase-ready before you make an offer.
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Due to the regulated nature of the product, lenders generally require a larger deposit than residential loans — typically 10% to 30% (70–90% LVR). However, we can source lenders that allow you to bring forward future super contributions, giving you the flexibility to boost your deposit and overall borrowing capacity.