PUT YOUR SUPER TO WORK IN PROPERTY
SMSF loans allow you to invest in residential or commercial property through your self-managed super fund, helping you build long-term retirement wealth with greater control.
Self-managed super fund (SMSF) loans, also known as Limited Recourse Borrowing Arrangements (LRBAs), allow individuals, property investors, and small business owners to take greater control of their retirement wealth. These loans can help you access residential or commercial property in a tax-efficient way, but they come with complex regulations and specific lender requirements. With over 600,000 SMSFs operating in Australia, more investors are leveraging their funds to secure property that aligns with their long-term financial goals. A trusted Ironbark Group mortgage broker can guide you through the process, helping you structure a loan that maximises returns while staying compliant.
WHY CHOOSE IRONBARK GROUP?
SMSF loans are highly specialised, with strict rules, higher costs, and limited lender options. Ironbark Group helps you navigate these challenges and supports you at every stage.
We can help you:
Understand whether an SMSF loan is right for your retirement strategy and investment goals
Access specialist lenders across Australia offering SMSF loans
Structure your loan correctly, including Limited Recourse Borrowing Arrangements (LRBAs) and bare trusts
Manage risk while aiming for strong long-term returns
Comply with all regulatory requirements and avoid penalties
Monitor your SMSF investment and provide ongoing guidance as your circumstances evolve
We focus on your individual goals, helping you invest confidently and securely through your SMSF.
READY TO INVEST THROUGH YOUR SMSF WITH CONFIDENCE?
Contact Ironbark Group today and speak with a trusted mortgage broker who can guide you through SMSF loans, compare lenders, and structure a solution tailored to your fund’s investment and retirement objectives.
Frequently Asked Questions
What is an SMSF loan?
An SMSF loan allows your self-managed super fund to borrow funds to invest in property using a Limited Recourse Borrowing Arrangement (LRBA).
Who can apply for an SMSF loan?
Typically, property investors, small business owners, and individuals with significant super balances who want more control over their retirement investments.
Can I live in a property purchased through my SMSF?
No. The property must be held solely for investment purposes and cannot be occupied by you or related parties.
What types of property can I buy with an SMSF loan?
Residential or commercial property, though some lenders restrict high-risk, hard-to-sell, or vacant land.
How much deposit is needed for an SMSF loan?
Deposit requirements vary, typically 20-30% for residential and lower for commercial, depending on the lender and property type.
Are SMSF loans more expensive than standard loans?
Yes. SMSF loans usually carry higher interest rates and fees due to their specialised nature and compliance requirements.
What are the risks of an SMSF loan?
Risks include concentration risk (investing heavily in one asset), regulatory compliance risk, and illiquidity, as the fund must maintain sufficient cash flow for repayments and ongoing costs.
Can I renovate the property purchased through my SMSF loan?
Borrowed funds may only be used for the purchase and essential maintenance. Renovations are generally not allowed until the loan is repaid.
Do I need a personal guarantee?
SMSF loans are limited recourse, meaning the lender can only claim the property if the fund defaults. Some lenders may still require personal guarantees.
How can Ironbark Group help with my SMSF loan?
Ironbark Group mortgage brokers guide you through the complex rules, identify suitable lenders, structure your loan correctly, and provide ongoing support to help your SMSF investment succeed.
What Our Clients Say
Professional insurance advice, handled smoothly.
Gene and his team were very professional and friendly and got the job done without any hiccups. Appreciate your great service team.
Matt Kollrepp
They explain insurance clearly and properly.
Ironbark Group really listens to what you need. They are also so helpful with business, home and car insurance. Ironbark Group really take the time to explain everything, so you really understand your home loans and insurance. They are the best!! Thank you so much Ironbark Group for all your help!!
Jesse Bogan
A business you can trust.
Totally awesome business to deal with! 100% can guarantee their excellent services.
Tania Allison
Trusted for both business and personal insurance.
Great team. We use Ironbark for both business / personal, finance and insurances. Can’t fault them 🙂
Kane D’Rose
Top-notch communication, efficiency and professionalism.
Excellent from the first phone call! Communication, efficiency and professionalism were top notch — systems and processes were so easy to use.
Linz11 R
Get in touch
Whether it’s home loans, commercial finance, asset finance, or insurance, our team is here to help you make confident decisions. Contact us and discover how we can tailor the right solution for your needs.
PHONE
POSTAL ADDRESS
PO Box 883, Upper Coomera QLD 4209
UPPER COOMERA
Unit 9/4 Dalton St,
Upper Coomera QLD 4209
SOUTHPORT
Griffith University, Link Building,
5/58 Parklands Dr, Southport QLD 4215
HELENSVALE
15-17 Millennium Circuit,
Helensvale QLD 4212