SMSF Loans
At Mainstream Loans, we help Australians unlock the power of their Self-Managed Super Fund (SMSF) to invest in property. With an SMSF loan, you can use your super to purchase residential or commercial property, giving you greater control over your retirement strategy while building long-term wealth.
What is an SMSF Loan?
An SMSF loan is a type of limited recourse borrowing arrangement (LRBA) that allows your super fund to borrow money to purchase property. The property is then held in trust for the SMSF until the loan is repaid.
This unique lending option is designed to:
- Grow your retirement savings through property investment
- Diversify your SMSF portfolio beyond shares and cash
- Provide potential long-term rental income and capital growth (SMSF loans are subject to strict regulations, so professional guidance is essential.)
SMSF Loan Options with Mainstream Loans
Residential SMSF Property Loans
Use your SMSF to purchase residential property for long-term investment returns.
Commercial SMSF Property Loans
Ideal for business owners who want their SMSF to buy a commercial property and lease it back to their own business (at market rates).
Refinancing SMSF Loans
Already have an SMSF loan? We can help refinance to a better rate and more flexible structure.
Why Choose Mainstream Loans for SMSF Finance?
- Expert guidance on SMSF lending regulations
- Access to leading lenders that specialize in SMSF property loans
- Tailored loan structures that comply with ATO rules
- Local expertise in Australia markets
- End-to-end support—from application to settlement
Important Considerations
SMSF loans can be complex, with strict compliance requirements under Australian law. Before proceeding, you should seek advice from:
- A qualified financial adviser
- An accountant experienced in SMSF structures
- A legal adviser for trust and compliance matters
Mainstream Loans does not provide financial or legal advice. We connect you with lenders and guide you through the borrowing process to ensure compliance and peace of mind.