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SMSF Lending

Invest in property
through your super.

More than securing finance — protecting your future. We work alongside your advisers to keep your structure compliant and aligned to your retirement goals.

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What We Do

Finance that protects your future.

SMSF lending allows you to invest in property through your self-managed super fund. It’s a powerful strategy — but it comes with strict compliance and careful structuring. We handle the lending side and collaborate closely with your accountant and financial adviser, so every decision stays compliant and aligned with your long-term retirement plan.

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Purchases for both residential and commercial SMSF property
Limited Recourse Borrowing Arrangements (LRBA)
A compliance-led approach throughout
Ongoing coordination with your adviser and accountant
Access to lenders who specialise in SMSF lending
Every decision weighed against your retirement strategy
Who It’s For

For those building wealth for retirement.

SMSF property investment suits people who want more control over their super and a long-term strategy. We make sure the lending fits within the rules — and within your bigger plan.

SMSF trustees

Looking to add property to their fund’s investment mix.

Business owners

Purchasing their business premises through their SMSF.

Investors diversifying super

Seeking greater control over how their super is invested.

Advised clients

Already working with an accountant or financial adviser.

How It Works

Your journey and The Kaelia Method.

01

Discover

Understand your long-term goals.

02

Strategise

Build multiple lending options.

03

Negotiate

We negotiate directly with lenders.

04

Optimise

Review your loan every year.

Common Questions

Questions worth asking.

Financial Preparation & Borrowing Power

How much can I borrow?
Lenders calculate this based on your verified income, total debt obligations, living expenses, and current interest rates.
How much deposit do I need?
Ideally 20% to avoid LMI, though many lenders accept 5% or 10% under specific conditions or government schemes.
What is "genuine savings"?
Funds you have held in a bank account (usually for at least 3 months) that prove your ability to manage money consistently.
How do existing debts affect me?
They reduce your borrowing capacity; lenders calculate your repayments based on your total credit limits, even if you have a zero balance.
What is LMI?
Lenders Mortgage Insurance is a one-off fee that protects the lender if you default; it is generally required for deposits under 20%.
What government assistance is available?
This varies by state and federal policy, but often includes First Home Buyer grants, stamp duty concessions, or low-deposit guarantee schemes.

The Buying Process

What is pre-approval?
An assessment by a lender stating how much they are willing to lend you, subject to property valuation and final checks.
Established home vs. building?
Established homes offer immediate possession; building takes longer but allows for custom designs and potential government construction incentives.
What are the hidden costs?
Budget for an extra 3–5% of the property price to cover stamp duty, conveyancing, legal fees, inspections, and moving costs.
Why get a building and pest inspection?
It identifies structural defects, termites, or water damage that could cost thousands to fix after you take ownership.
Do I need a solicitor or conveyancer?
Yes; they are essential for conducting title searches, reviewing the contract, and ensuring the legal transfer of ownership.
What is the typical timeline?
Settlement for an established home typically takes 30 to 90 days, depending on the agreed terms in the contract.

Loan Features & Comparisons

Variable vs. fixed rate?
Variable rates fluctuate with the market, offering flexibility and extra features; fixed rates provide set repayments for a locked term.
P&I vs. Interest-Only?
P&I reduces the loan balance over time; Interest-Only lowers repayments for a set period but does not reduce the debt.
Offset vs. redraw?
An offset is a linked savings account that reduces the interest charged on your loan; redraw allows you to withdraw extra repayments you've made.
How often should I review my loan?
Aim for every 12 months to ensure your interest rate remains competitive compared to current market offerings.

Strategic Decision Making

Buy now or wait for 20%?
If you buy now, you enter the market sooner, but you must factor in the cost of LMI versus potential property price growth.
How to choose the right property?
Prioritize location and structural integrity; you can always renovate, but you cannot change the address.
What to look for in a builder?
Check their license, previous project portfolio, financial stability, and clearly defined building contracts.
Can I renovate after purchase?
Yes, but you must ensure you have the funds and, for major works, the necessary council permits and approvals.
Get Started

Ready to explore SMSF lending?

Let’s have a genuine conversation about your goals. No obligation, no jargon — just expert guidance, working hand in hand with your advisers.

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The information on this page is general in nature and does not constitute financial, taxation, or legal advice. SMSF borrowing involves risk and strict compliance obligations — always seek advice from a licensed financial adviser and accountant before making decisions.

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