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SMSF Loans. Simplified.

Looking to invest in property through your SMSF? Irwin Financial Solutions can help you secure a tailored SMSF loan with the right structure and support. Talk to our experienced team today.
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Invest in property with your super

Using your Self-Managed Super Fund (SMSF) to invest in property can be a powerful way to build long-term wealth, but it’s important to have the right loan structure in place.

At Irwin Financial Solutions, we specialise in SMSF lending and can guide you through the process with expert support and clear advice. From finding the right lender to understanding compliance and setup, we’ll make sure your loan works in line with your fund’s goals.

An SMSF loan allows a Self-Managed Super Fund to borrow money to purchase investment property. The loan is limited-recourse, meaning the lender’s recovery rights are limited to the property itself.

No, properties purchased through an SMSF must be solely for investment purposes and cannot be used as personal residences.

Repayments are made from the SMSF’s balance, which must be sufficient to cover loan obligations and maintain compliance with contribution caps and other regulations.

The amount you can borrow with an SMSF loan depends on factors such as the value of your SMSF, the type of property you wish to purchase, and the lender's criteria.

Generally, lenders allow you to borrow up to 70-80% of the property’s value (Loan-to-Value Ratio or LVR) for residential properties and up to 60-70% for commercial properties.

Your SMSF must also demonstrate sufficient income to service the loan and meet ongoing expenses. It's essential to consult with a mortgage broker to explore options that suit your fund’s financial position.
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Understanding home loans

Read our handing articles to get yourself more clued up on what's involved with taking the next step.
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Irwin Financial Solutions (ABN 59 520 662 242) and Paul Irwin is a Credit Representative 387010 of BLSSA Pty Ltd (ACN 117 651 760) & Australian Credit Licence 391237
This website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

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Your local mortgage broker in Castle Hill, Cherrybrook, Kellyville, and the surrounding Western Sydney Hills District areas.
0402 022 447
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Mortgage Broker near me

If you’re in the Castle Hill, Cherrybrook, Kellyville, or surrounding areas and in need of a mortgage broker, look no further than Irwin Financial Solutions. Whether you’re a first home buyer, refinancing your existing loan, or looking to invest in your financial future, our dedicated team is here to assist you every step of the way. Contact us today to start your journey towards securing your financial well-being.