Finance Through Your Self-Managed Super Fund
A Self-Managed Super Fund (SMSF) loan allows trustees to purchase property through their superannuation fund. While SMSF lending is more complex than standard residential loans, it can be a powerful way to build long-term retirement wealth. At AJP Finance, we help trustees in Melbourne understand lender requirements, structures, and compliance obligations for SMSF loans.
📞 Call 0412 018 732 or 📧 j.singh@ajpfinance.com.au to learn more about SMSF lending options.
Residential SMSF Property Loans
Trustees may use an SMSF loan to invest in residential property, provided it complies with ATO regulations. We explain lender criteria, documentation required, and ongoing obligations.
Commercial SMSF Property Loans
Many business owners use SMSFs to purchase commercial property, such as offices or warehouses, which can then be leased back to their own business under arm’s-length terms. We guide you through eligibility and lender policies.
SMSF Loan Compliance Guidance
SMSF loans must follow strict ATO and APRA rules, including the use of a bare trust structure. We help you understand compliance requirements, loan-to-value limits, and long-term implications before proceeding.
Helping a Business Owner Purchase Their Premises Through SMSF
A Melbourne business owner wanted to buy their office using their Self-Managed Super Fund. They were unsure about lender criteria and compliance rules. We explained the steps involved, compared SMSF commercial loan options, and guided them through the application. With the right structure, they successfully purchased their office under their SMSF and secured their long-term business premises.
How Can Our Team Help You to Reach Your Goals
SMSF lending is more complex than a standard mortgage, so our process is designed to keep everything clear, compliant, and predictable. We coordinate with your accountant/administrator and, where appropriate, your financial adviser to ensure the trust deed, investment strategy, bare trust (holding trust) and LRBA structure are set up correctly before you commit to a purchase. Our focus is to explain lender expectations in plain English and help you move from idea to settlement with confidence.
Consultation
We start by understanding your SMSF’s objectives (growth, income, diversification) and how a property fits your investment strategy. We confirm trustee structure (individual vs corporate), review your current contributions/cash balance, and discuss the kind of asset you’re considering (residential vs commercial).
Compliance & Financial Review
Next, we review your SMSF’s setup, financials, and contributions to check lender requirements. We’ll also outline the documents typically needed, so you know exactly what to expect before applying.
Explore SMSF Loan Options
We present loan options from banks and non-bank lenders, explaining interest rates, repayment types, and borrowing limits. You’ll see the pros and cons of each option, with everything explained in plain English.
Application & Ongoing Support
Once you choose an option, we prepare and submit the application on your behalf. We manage communication with the lender and keep you updated until settlement, so you feel confident every step of the way.
