Self Managed Super Fund Lending

We can help you explore Self-Managed Super Fund (SMSF) loan options for both residential and commercial properties. We assist in finding the right loan products and explaining how SMSF lending works. For advice on SMSF structures and investment decisions, we recommend consulting a licensed financial advisor or your accountant.

What You Need to Know About Self Managed Super Fund Lending

1. SMSF Loans Can Be Used for Property Investment
   SMSF lending allows your super fund to borrow money to invest in residential or commercial property, provided the investment complies with ATO regulations.

2. Borrowing Is Done Through a Limited Recourse Borrowing Arrangement (LRBA)
   All SMSF loans must use an LRBA structure, which limits the lender’s recourse to the asset being financed, protecting other SMSF assets.

3. Property Must Be for Investment Purposes Only
   The property cannot be lived in or used by you, your family members, or related parties—unless it’s a commercial property leased to your own business at market rates.

4. Strict Compliance and Structure Are Required
   Setting up an SMSF and LRBA correctly is essential. 

5. Lending Criteria Are Tighter Than Standard Home Loans
   Lenders typically require a larger deposit (often 20–30%) and assess the fund's cash flow capacity to meet loan repayments.

6. Loan Options Are Limited to Certain Lenders
   Not all banks and lenders offer SMSF loans. Ironclad Finance works with specialist lenders to find suitable products for its clients.

7. Loan Repayments Must Be Made from the SMSF
   All income and expenses related to the investment property must be managed through the super fund, including loan repayments, rates, and maintenance.

8. Refinancing and Loan Flexibility Can Be Challenging
   Changing lenders or terms down the track can be complex. It’s essential to choose the right structure and product from the outset.

   
   

How Ironclad Finance Supports Self-Employed Clients with SMSF Lending

1. Tailored Lending Solutions for Entrepreneurs
   We understand the unique financial profiles of self-employed individuals and work to secure SMSF loan options that align with your income structure and investment goals.

2. Access to Specialist SMSF Lenders
   We partner with a panel of lenders who offer competitive SMSF loan products, including those specifically designed for commercial property investments.

3. Guidance Through the Loan Process
   From initial consultation to loan approval, we walk you through each step—helping you understand the requirements and make informed decisions.

4. Support with Documentation and Structure
   We help you prepare and package your application for lenders, ensuring compliance with SMSF borrowing rules and lender criteria.

5. Property Types You Can Finance
   We assist in sourcing finance for both residential investment properties and commercial premises, including those leased to your own business.

6. Collaboration with Your Advisors
   We work alongside your accountant, financial advisor, or SMSF administrator to ensure your lending strategy complements your broader financial plan.

7. Long-Term Finance Strategy
   We don’t just focus on the loan—we help you think ahead, considering future refinancing options, loan flexibility, and fund liquidity.