Self managed super fund loan
Self-Managed Super Funds are a powerful way to build retirement wealth through SMSF home loans and LRBA property investment. Unlike traditional superannuation, an SMSF gives you control over your investments-including residential and commercial property. Whether you're looking for SMSF home loans, LRBA property investment, or the best SMSF mortgage broker rates, Buyvest can help.
Our expert Buyvest mortgage brokers and SMSF loan specialists in Sydney help you access specialist SMSF loans and limited recourse borrowing arrangements (LRBA). As experienced SMSF mortgage brokers, we connect you with the best SMSF lenders who specialize in SMSF property investment. Whether you need SMSF borrowing capacity calculations, refinancing options, or are looking for the best SMSF mortgage broker to help you get approved, our Buyvest team provides personalized guidance to maximize your retirement wealth through property.
Calculate Your SMSF Borrowing Capacity
Find out how much you can borrow via LRBA and the property investment potential within your super fund with Buyvest mortgage brokers.
Free SMSF ConsultationWhy use Buyvest mortgage brokers for SMSF home loans and LRBA?
Access to 35+ lenders
We work with banks, credit unions, and non-bank lenders. Different SMSF lenders have different criteria-we match you with the right one for SMSF home loans.
No cost to you
Lenders pay our commission directly. You pay the same rate whether you go to the bank directly or through Buyvest mortgage brokers-but with expert SMSF guidance included.
Time & money savings
We navigate complex SMSF paperwork, coordinate valuations, and manage lender communications. We often save SMSF clients thousands in rates and fees.
Expert SMSF market knowledge
We understand Sydney's property market, local suburb trends, and SMSF investment potential. We guide you toward value and growth opportunities using LRBA.
Fixed & variable SMSF options
Compare and choose between fixed, variable, or split SMSF loans tailored to your situation. We explain pros and cons of each SMSF home loan option.
Ongoing SMSF support
We don't disappear after settlement. We're available to discuss SMSF refinancing, rate changes, loan adjustments, and future SMSF property opportunities.
Why invest in property via your SMSF with Buyvest mortgage brokers?
Direct property ownership
Own real property in your SMSF-unlike stocks or managed funds. Tangible asset with rental income and capital growth potential through SMSF home loans.
Tax-free investment returns
Inside super, investment income is taxed at 15%. Much lower than personal tax rates (25-45%). Maximize tax efficiency with SMSF property investment.
Control your SMSF investments
You decide what properties to buy, where to invest, rental strategies. No fund manager fees eating into SMSF returns.
Leverage with LRBA
Use limited recourse borrowing arrangement (LRBA) to buy a property in your SMSF. Amplify SMSF investment power without risking other assets in your SMSF.
Compound SMSF wealth
Rental income + capital growth compounds tax-free inside SMSF. By retirement, accumulate substantial portfolio value through SMSF property investment.
Asset protection with SMSF
Assets in SMSF have protection from creditors in many circumstances. Extra layer of security for retirement wealth via SMSF home loans.
Tax benefits of SMSF property investment with Buyvest
Investment income (rent)
Taxed at 15% in SMSF vs. your personal tax rate (25-45%)
Capital gains discount
33% discount on assets held >12 months. Only 2/3 taxed at 15% = ~10% effective tax
Deductible expenses
Mortgage interest, rates, insurance, maintenance all fully deductible from SMSF
Negative gearing
Losses can offset other income inside super fund
Pension stream exemption
Capital gains used to fund member pensions are tax-free
No CGT on death
Upon fund member death, SMSF property transfers tax-free
Typical SMSF loan structure with Buyvest
Here's how a typical SMSF property loan is structured with all parties involved in your SMSF home loan:
Self-Managed Super Fund (SMSF)
Fund Name: True Blue Super Fund
Beneficiary/Member: Mr John Citizen, Mrs Jane Doe
Trustee: Hard Yakka Pty Ltd ACN 1111
The SMSF is the entity that owns the investment property. All members must be trustees, and the fund is responsible for compliance with ATO regulations.
Trustee Company
Company Name: Hard Yakka Pty Ltd ACN 1111
Director: Mr John Citizen
Director: Mrs Jane Doe
Shareholder: Mr John Citizen
Shareholder: Mrs Jane Doe
The trustee company acts as the trustee of the SMSF. It's a separate legal entity that enters into the loan agreement and owns the property on behalf of the fund.
Security Custodian (if required)
Custodian Company: Stubby Holder Pty Ltd ACN 2222
Director: Mr John Citizen
Director: Mrs Jane Doe
Shareholder: Mr John Citizen
Shareholder: Mrs Jane Doe
Some lenders require a security custodian to hold the mortgage over the property. This separates the security interest from the SMSF itself.
Bare Trust
Bare Trust Name: Esky Bare Trust
Trustee Company: Stubby Holder Pty Ltd ACN 2222
Purpose: Holds the security (mortgage) over the property on behalf of the SMSF
A bare trust is used to separate the security from the SMSF's other assets. This protects the fund if there's a default-the lender can only enforce against the property in the bare trust, not other SMSF assets.
Important Disclaimer - Seek Professional Advice
The SMSF loan structure shown above is a typical example only. However, the specific structure for your SMSF must be tailored to your circumstances and must comply with ATO rules and SMSF legislation.
You MUST consult with a qualified accountant or tax advisor before proceeding with your SMSF home loan. They will advise on:
- The appropriate SMSF structure for your specific situation
- Trustee company setup and SMSF compliance requirements
- Security custodian requirements (if needed for your SMSF)
- ATO compliance and SMSF documentation
- Tax implications of your SMSF structure
We coordinate with accountants and legal advisors to ensure your SMSF structure is compliant and properly documented for your SMSF home loan.
Important SMSF lending concepts and LRBA rules
SMSF Advantages
- Direct control over SMSF property decisions
- Lower tax on SMSF investment income (15%)
- Capital gains discount available for SMSF
- Rent and gains compound tax-free in SMSF
- Borrow more via LRBA structure for SMSF
- Flexible SMSF investment strategy
Important ATO Rules for SMSF
- SMSF property must be held for investment only
- Cannot be your main residence in SMSF
- Cannot be property you currently own in SMSF
- Related parties cannot live in SMSF property
- Related party leases in SMSF must be at market rates only
- Annual audit and SMSF tax return required
- Multiple SMSF properties allowed-each LRBA under own bare trust
Typical SMSF property scenarios with Buyvest mortgage brokers
Couple Building SMSF Retirement Portfolio
Situation: Couple aged 45, $400k in SMSF, want SMSF investment growth
Strategy: Use $100k SMSF funds + $400k LRBA to purchase $500k SMSF rental property
Result: SMSF property generates $25k/year rental income, taxed at 15% (~$3,750 tax vs. $10k+ personally). Over 20 years, significant SMSF wealth accumulation through SMSF home loans.
Self-Employed Wanting SMSF Investment
Situation: Self-employed aged 50 with inconsistent income, wants SMSF property investment
Strategy: Build SMSF over time, use LRBA to purchase property within SMSF
Result: SMSF property income collected inside super (lower tax), builds retirement SMSF fund outside personal income fluctuations via SMSF home loans.
Professional Seeking SMSF Control
Situation: High-income professional aged 55, wants direct control over SMSF investments rather than relying on fund managers
Strategy: Establish SMSF to invest in property directly, choose locations and SMSF management strategy personally
Result: Full control over SMSF investment decisions, capital gains discount on long-term SMSF holdings, tax-free pension income in SMSF retirement, and flexibility to scale SMSF portfolio as desired with SMSF home loans.
How to apply for SMSF loan with Buyvest mortgage brokers
Applying for SMSF home loans is simple when you work with Buyvest mortgage brokers. Here's how to get an SMSF mortgage loan and find the best SMSF home loan rates for your SMSF situation.
Discuss your SMSF home loan goals and financial plans with Buyvest mortgage brokers. Let us help you prepare for applying for SMSF home loans, including paperwork organisation and pre-approval. SMSF investors benefit from our expert guidance on types of SMSF home loans and the best SMSF loan options available.
We review your finances and compare SMSF home loans across multiple lenders and mortgage banks specializing in SMSF lending. Buyvest explains your SMSF loan choices so you make the right call. Applying for an SMSF home loan becomes easy when comparing SMSF rates and finding the right option for your SMSF situation.
We handle SMSF settlement, coordinate with solicitors, arrange property valuations, and provide ongoing SMSF support. After applying for SMSF mortgage, Buyvest specialist team ensures smooth completion. Get your SMSF mortgage loan approved and receive continued support throughout the entire SMSF home loan process.
Documents needed for your SMSF home loan application
Have these documents ready to streamline your SMSF approval process with Buyvest mortgage brokers and get pre-approved faster for SMSF home loans.
Personal Identification
Australian passport or driver's license (with photo, full name, DOB, current address), plus citizenship certificate or birth certificate for SMSF application.
Proof of Income
Two recent payslips from current employer, and most recent year's tax returns and Notice of Assessment. This helps SMSF lenders verify your ability to service the LRBA.
Proof of SMSF Contribution
If applicable, proof of any additional superannuation contributions you plan to make. This demonstrates your commitment to building SMSF balance for SMSF property investment.
Financial Statements
Latest bank statements showing your super balance and SMSF account details. SMSF lenders need to verify the SMSF has sufficient funds for the deposit.
SMSF Documentation
Certified copy of SMSF deed and certified copy of Bare Trust (if applicable). These documents prove the legal SMSF structure and security arrangement for the lender.
Professional Advisor Details
Accountant and solicitor contact details for SMSF. SMSF lenders may need to speak with your accountant as part of their SMSF trust investigation.
ABN & Business Documents
ABN registration for corporate trustee and SMSF security custodian. This confirms the legal entities involved in your SMSF structure are properly registered with the ATO.
Letter of Advice
Your solicitor will issue a letter of advice to SMSF lenders confirming the SMSF structure is compliant and the SMSF property transaction is properly documented for SMSF loan approval.
SMSF Approval Timeline
SMSF specialist lenders typically take 7-14 working days for LRBA approval (slightly longer than conventional SMSF home loans due to compliance requirements). Buyvest expedites the SMSF process and manages all coordination with the SMSF lender, accountant, and legal advisors to ensure smooth, timely SMSF approval. Having your SMSF documents organized early (personal ID, tax returns, bank statements, SMSF deed, and solicitor details) will significantly speed up the SMSF approval process.
Serving Sydney & Australia wide for SMSF home loans
Buyvest mortgage brokers help homeowners across Sydney, regional NSW, and Australia access specialist SMSF home loans and LRBA property investment options.
Ryde area suburbs
Greater Sydney regions
Regional NSW
Calculate Your SMSF Borrowing Capacity
Find out how much you can borrow via LRBA and the property investment potential within your super fund with Buyvest mortgage brokers. Get your free SMSF consultation.
Free SMSF Consultation