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MakeMyLoan

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© 2026 MakeMyLoan Pty Ltd · Credit Representative 389087, authorised under Australian Credit Licence 548289. All loan applications are subject to lender assessment and approval. Calculator results are estimates only and do not constitute credit advice or an offer of credit. Comparison rates are based on a $150,000 loan over 25 years and may not reflect the true cost of your loan. Consider whether any product is right for your circumstances — a licensed MakeMyLoan Pty Ltd broker will review every recommendation with you and provide a credit guide before any credit assistance is given. Call us on 1300 888 369 or email hello@makemyloan.com.au.
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SMSF Loans

Property inside super, done properly.

Limited recourse borrowing needs the right structure, the right lender and the right sequence. We arrange the finance while your advisers own the strategy.

Estimate RepaymentsStart application
Who this is for

Sound like you?

✓Business owners buying their premises in super
✓SMSF trustees adding residential investment
✓Funds refinancing legacy SMSF loans at high rates
✓Advisers seeking a finance partner for clients
Common scenarios

How clients like you use this

Real situations we structure every week — each with its own lender shortlist.

Business premises in super

Your fund buys the building, your business pays rent to your own super. The classic strategy — executed with correct LRBA structure.

Residential investment

Post-bank-exit, specialist lenders fill the gap at 70–80% LVR. Fund liquidity and contribution history drive approval.

SMSF refinance

Older SMSF loans often sit 1–2% above today's specialist rates. Refinancing inside super is possible — and often overlooked.

Get ahead

Documents you'll need

Having these ready can shave days off approval. Your portal checklist personalises this list once you apply.

  • 📄 SMSF trust deed
  • 📄 Bare/custodian trust deed
  • 📄 2 years fund financials and returns
  • 📄 SMSF bank statements
  • 📄 Contribution history
  • 📄 Contract in bare trustee's name
The journey

How the process works

  1. 1Confirm structure with your accountant/adviser
  2. 2Fund liquidity and serviceability check
  3. 3Lender selection from the specialist panel
  4. 4Bare trust established before contracts
  5. 5Approval and settlement into the fund
Why use a broker

What you get that going direct won't give you

✓Specialist SMSF panel — majors have exited this space
✓Structure errors caught before they cost you duty twice
✓Liquidity tests run before you commit
✓We work alongside your accountant and financial adviser
Good questions

Frequently asked

Can my SMSF buy a property I already own?+

Commercial business real property — yes. Residential from a related party — no. This is the most common SMSF property mistake.

What deposit does the fund need?+

Plan on 20–30% plus costs, and lenders want ~10% of fund assets remaining liquid after purchase.

No obligation

Talk it through with a smsf loans specialist

Leave your details and a MakeMyLoan broker will call to talk through your scenario — usually the same business day. Nothing is lodged and no credit check runs until you say go.

Privacy consent is required before credit checks or lender discussions.

Get smsf loans help today

A MakeMyLoan broker will review your numbers and call you with real options — usually the same business day.

By submitting you agree to be contacted by MakeMyLoan about your enquiry. Your details are handled under our privacy policy — privacy consent is always captured before any credit checks or lender discussions.