Grow Your Retirement Wealth with SMSF Loans – Backed by Experts at Ingenious Finance
Are you looking to invest in property through your Self-Managed Super Fund (SMSF)? At Ingenious Finance, we specialise in helping individuals and trustees secure SMSF loans in Melbourne to grow their retirement portfolios confidently and compliantly.
Using your superannuation to invest in residential or commercial property can be a powerful wealth-building strategy. However, SMSF lending is complex and highly regulated — that’s where our expert team comes in.
What is an SMSF Loan?
An SMSF loan is a limited recourse borrowing arrangement (LRBA) that allows your super fund to borrow money to purchase an investment property. The loan is secured only against the asset being purchased, meaning other assets in your SMSF are protected.
Our role at Ingenious Finance is to:
- Guide you through SMSF borrowing rules
- Help you structure your loan within ATO and legal guidelines
- Compare SMSF lending options from top banks and non-bank lenders
- Assist with documentation, trust deeds, and compliance
Why Choose Ingenious Finance for SMSF Loans in Melbourne?
- Access to 40+ lenders – Including those that specialise in SMSF lending
- Specialist SMSF lending advice – From initial consultation to settlement
- ATO-compliant structure guidance – Ensure your fund follows all rules
- Help with bare trust and trustee documentation
- Residential & commercial SMSF property loans
Who Can Apply for an SMSF Loan?
You may be eligible for an SMSF loan if:
- Your super fund is fully compliant and has a valid trust deed
- The fund has sufficient balance to cover the deposit and ongoing costs
- The purpose is investment only — no personal or related-party use
- You meet lender-specific lending criteria for SMSFs
We work with trustees, accountants, and financial planners to ensure a smooth and stress-free loan process.
What Can an SMSF Loan Be Used For?
Residential investment property (must not be lived in by members)
Commercial property (including offices, warehouses, retail spaces)
Business premises (can be leased back to a related business under strict rules)
FAQs – SMSF Loan in Melbourne
Q1: Can my SMSF borrow money to buy a property in Melbourne?
A: Yes, provided it follows the ATO’s limited recourse borrowing arrangement rules. Your SMSF can borrow to invest in residential or commercial property.
Q2: How much can I borrow with an SMSF loan?
A: Most lenders allow SMSFs to borrow up to 70–80% of the property value. Your fund needs to cover the remaining deposit, stamp duty, and legal fees.
Q3: What is a bare trust in SMSF lending?
A: A bare trust is a legal structure used to hold the property on behalf of your SMSF when borrowing. It ensures the asset is protected under LRBA rules.
Q4: Are SMSF loans only for investment property?
A: Yes. The property purchased with an SMSF loan must be for investment purposes only. It cannot be used by the fund members or related parties.
Q5: What are the benefits of an SMSF loan?
A: Key benefits include tax-effective investment growth, control over your super assets, and potential rental income for your fund.
Q6: Are SMSF loans harder to get approved?
A: They require more paperwork and compliance checks, but with expert help from Ingenious Finance, we simplify the process and increase your approval chances.
Q7: Can I refinance an existing SMSF loan?
A: Yes, refinancing is possible, and we can help you find better rates or more flexible loan features.
Secure Your SMSF Loan with Melbourne’s Trusted Experts
At Ingenious Finance, we take the guesswork out of SMSF property lending. Our team provides end-to-end support to help you make informed, compliant, and confident investment decisions.
