SMSF Loans
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SMSF loan solutions for free thinkers

Grow your retirement investment potential with our SMSF loans.

What do you want to do?

Residential SMSF loan

Use the power of your super for a residential property investment.

  • Low set-up cost
  • Limited recourse borrowing
  • Maximum loan $4M1
  • Borrow up to 80% of the property value#

Rates per annum from#

7.25%

(7.65%)

Comparison rate*

Find out more

Commercial SMSF loan

Put your super to work in a commercial property investment.

  • Maximum loan $4M1
  • Suitable for owner-occupiers
  • No minimum contributions required
  • Borrow up to 80% of property value#

Rates per annum from#

7.95%

Find out more
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Need to crunch the numbers on your property investment plans? Use our simple calculator to get a better idea of what's possible.

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Liberty SMSF loans FAQs

  • An SMSF loan or Limited Recourse Borrowing Arrangement (LRBA) allows you to leverage the funds in your self-managed super fund (SMSF) to purchase an investment property. A growing number of Australians are taking control of their retirement planning and switching to SMSFs to help meet their property investment goals. Lenders such as Liberty offer SMSF home loan solutions and SMSF commercial property loans.

  • SMSF loans support SMSF trustees to borrow money to purchase an investment property they may not have the funds to buy outright through their SMSF. Ownership of the purchased property is then held in a custodian trust until the loan is repaid. At that point, the SMSF acquires the title. Throughout the life of the loan, the SMSF members have a beneficial interest in the property. Any income generated is reinvested into the SMSF to help repay the loan or increase the fund value.

  • The amount you can borrow with an SMSF loan will depend on your financial situation. You may need to maintain a minimum amount within your SMSF after the property purchase. This amount will vary depending on your individual circumstances.

  • It's important to consider that loans for SMSF borrowers can be a little more complicated than your standard mortgage or commercial property loan. While the right SMSF property loan could help you take control of your future, investing in property in this way can be a complex strategy. SMSF loans have strict requirements under Australian superannuation law and normally require the establishment of a separate trust to hold the property. Before you can apply for a loan, you’ll need to have an existing SMSF structure, or be in the process of establishing an SMSF. If you’re new to SMSF lending, a Liberty Adviser can help to simplify the process and answer any questions you may have along the way.

  • Some borrowers will have taken out an SMSF loan when interest rates were higher, or their financial situation was different. In these cases, it is worth exploring refinancing your SMSF loan to see if there are better options to suit your individual needs. As a specialist lender, Liberty has the capacity and freedom to make loans that traditional banks cannot accommodate – including SMSF loan refinances. Ask us about refinancing with an SMSF loan today.

  • If you have an SMSF and are considering taking out a mortgage to buy an investment property, you should first seek advice from your financial adviser or accountant. If you decide to go ahead, a mortgage broker can help you find the right SMSF loan for your needs and explore what other lending options may be available to you. And, if you’re new to SMSF lending, a broker can help to simplify the process and answer any questions along the way. To learn more, speak to a Liberty Adviser today.

  • A limited recourse borrowing agreement (LRBA) allows you to diversify your assets which may increase your investment return and reduce risk. It helps to protect the other assets in your SMSF in the case of a default. While there are few lenders that offer loans to SMSF borrowers, limited recourse borrowing is available with Liberty’s residential SMSF loan.

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Things you should know:

*Comparison rates are based on a secured $150,000 loan over a 25-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The rates and comparison rates displayed reference our residential SMSF loan only, other rates apply to our commercial SMSF loan.

#Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio (LVR). The maximum LVR may vary depending on property type. Please call 13 11 33 or speak with your local Liberty Adviser for more details.

1Subject to loan to value ratio (LVR) restrictions.