Are you ready to take control of your retirement and invest in property through your super fund? At Ingenious Finance, we specialise in helping individuals and trustees access tailored SMSF loans in Melbourne to build long-term wealth through real estate investment.
With the right strategy and finance structure, purchasing property through a Self-Managed Super Fund (SMSF) can be a powerful way to grow your retirement savings and gain more control over your financial future.
What is an SMSF Loan?
An SMSF loan allows your Self-Managed Super Fund to borrow money for purchasing an investment property. This is done through a structure called a Limited Recourse Borrowing Arrangement (LRBA), which ensures that the lender’s claim is limited to the property being purchased — protecting your other SMSF assets.
With an SMSF loan, you can:
- Purchase residential or commercial investment property
- Leverage your super savings for long-term capital growth
- Take advantage of tax-effective strategies
- Build a diversified retirement portfolio
At Ingenious Finance, we guide you through the complex rules and compliance requirements, ensuring your SMSF loan is structured correctly from day one.
Why Choose Ingenious Finance for Your SMSF Loan in Melbourne?
✔ SMSF Loan Specialists
We understand the complexities of SMSF lending and offer personalised guidance every step of the way.
✔ Access to SMSF-Friendly Lenders
We have strong relationships with lenders who specialise in SMSF loans and offer competitive rates and terms.
✔ Tailored Loan Structures
We work with your accountant or financial adviser to ensure your SMSF property loan complies with ATO regulations and supports your long-term goals.
✔ End-to-End Support
From pre-approval to settlement, our team manages all the paperwork, lender negotiations, and compliance checks.
✔ No Hidden Surprises
We provide transparent advice so you can make informed decisions about your super and property investment.
Who Is Eligible for an SMSF Loan?
To qualify for an SMSF loan in Melbourne, you must:
- Have a compliant SMSF with a clear investment strategy
- Use the borrowed funds to purchase investment property only (not owner-occupied)
- Ensure the loan is made through an LRBA structure
- Have sufficient balance and contributions to cover repayments and property costs
Not sure if you’re eligible? Our expert brokers can assess your situation and guide you through what’s required.
Types of SMSF Property Loans We Offer
- ✅ Residential SMSF Loans – For investment properties that generate rental income
- ✅ Commercial SMSF Loans – Ideal for business owners purchasing commercial premises
- ✅ Refinancing SMSF Loans – Improve your interest rate or loan features
- ✅ Construction SMSF Loans – Limited options available — talk to our team for advice
Start Your SMSF Property Journey Today
Investing in property through your super fund can be a powerful wealth-building strategy — but only with the right guidance. At Ingenious Finance, we simplify the process of applying for an SMSF loan in Melbourne, giving you peace of mind and confidence to grow your super the smart way.
