Successful Finance Group team kept us well Informed during all stages of the loan process.
We were given a number of great options, but Successful Finance Group’s experience and knowledge got us the best possible deal.
We were very happy with the service.
SMSF Loans
Use Your Super to Buy Property With the Right Guidance
Most people know their super grows slowly, but fewer realise they can use it to buy property and build wealth sooner if the structure is set up correctly.
A Smarter Way to Grow Your Super
With the right SMSF lending setup, you can:
- Buy an investment property inside your super
- Purchase commercial premises (even for your own business)
- Use rent + super contributions to help repay the loan
- Grow long-term wealth using leverage
- Reduce tax while building your retirement balance
Many Australians don’t know this pathway exists or how to start, and that’s where proper SMSF lending guidance makes all the difference.
How SMSF Property Lending Actually Works
To buy property through a super, the structure must be correctly set up before a lender can approve any loan.
The Structure Involved
| Component | Purpose |
| SMSF (Trust) | Holds investments, receives rent, pays expenses |
| Trustees / Corporate Trustee | Manages the fund under ATO & lending rules |
| Bare Trust / Custodian Trust | Temporarily holds property title during the loan |
| LRBA (Limited Recourse Borrowing Arrangement) | Loan structure where only the property itself is used as security |
Why You Need a Bare Trust
Under SMSF lending rules, the property title must sit in a bare trust until the loan is fully paid.
This protects the fund and ensures the loan meets compliance requirements.
Here’s what it means for you:
- You still control the property
- All rental income goes to your SMSF
- Once the loan is cleared, the title moves into the SMSF name
It’s a compulsory part of SMSF lending, but most people have no idea where to begin. That’s why we make sure the structure is set up properly from the start.
Loan Features & Borrowing Capacity
| Loan Type | LVR | Notes |
| Residential SMSF Loan | Up to 80% | Rent + contributions help with repayments |
| Commercial SMSF Loan | Up to 80% | Ideal for business owners looking to buy their premises |
| Refinance Existing SMSF Loan | ✓ | Reduce your rate and improve long-term returns |
Additional Benefits
- Option to refinance as the fund grows
- Structure designed to lower ongoing costs
- Ability to expand into more properties as equity builds
Short-term setup → long-term retirement growth.
Why Work With Nigel Ferreira
400+ 5 Star Reviews
Award-winning broker
SMSF lending experience
Clients choose Successful Finance Group because we:
- Set up the correct SMSF + bare trust structure
- Understand your borrowing power
- Navigate LRBA lending requirements
- Access lenders who specialise in SMSF loans
- Build a long-term strategy - not just a one-off approval
Most banks don’t focus on SMSF lending. We do.
As Seen on
Dean Porter
Successful Finance Group has been very helpful in securing my home refinancing, Nigel and his team are easy to contact and will guide you through the whole process, will recommend to my friends.
Clarette S.
I had a seamless experience from start to finish. The service was professional, efficient, and exceeded my expectations. I’m a very happy customer and truly appreciated the attention to detail and friendly support throughout the process. I would definitely come back again and highly recommend this service to others!
New Purchase
Successful Finance Group helped us secure our property with ease and providing proper advice. We managed to secure a property after only working with him for less than 30 days
Ahmad Awamleh
Amazing Service with experienced advice
Nigel helped us secure our property with ease and providing proper advice. We managed to secure a property after only working with him for less than 30 days
New Purchase
Very helpful
Nigel is very knowledgeable in his field, very professional and clear communicator. He explained the process and made the process smooth and straightforward.
New Purchase
Your SMSF Property Journey
Buying property through super may sound complex, but we break it into clear, simple steps:
Step 1 - SMSF Loan Assessment
We check your borrowing capacity and eligibility.
Step 2 - Structure + Bare Trust Setup
We connect you with an accountant and financial adviser for tax and financial advice, while ensuring the lending structure is compliant.
Step 3 - Property Purchase + Long-Term Strategy
We guide you through the loan, settlement, and broader retirement planning pathway.
Book My SMSF Loan Strategy Call
Disclaimer
This information is general in nature and does not constitute SMSF, taxation or financial advice. You should seek advice from a qualified financial adviser, accountant and/or SMSF specialist before making decisions relating to superannuation or SMSF property investment.