Residential & Commercial Property Loans, for SMSF

Grow Your Super Through Property Investment

Self-Managed Super Funds (SMSFs) are an increasingly popular vehicle for Australians looking to take control of their retirement savings. With the right structure and advice, your SMSF can borrow to purchase residential or commercial property, helping you build long-term wealth through strategic investment.

At Vita Finance, we specialise in guiding clients through the often complex world of SMSF lending, ensuring your loan structure is compliant, competitive, and tailored to your fund’s investment goals.

Residential

  • This allows your SMSF to borrow money to purchase residential property, using the property itself as security under a Limited Recourse Borrowing Arrangement (LRBA). This structure limits the lender’s recourse only to the asset purchased, protecting other SMSF assets.

    • Loan terms typically range from 15 to 30 years

    • Up to 80% Loan-to-Value Ratio (LVR) available

    • Property must be for investment purposes only (no personal use)

    • Interest-only and principal & interest options available

    • Tax-effective growth inside your superannuation

    • Potential rental income and capital gains for your fund

    • Control over your investment strategy

Commercial

  • This allows your SMSF to purchase commercial property, often used for business premises or to generate rental income. Many business owners use this strategy to own their office, warehouse or retail space through their SMSF — and lease it back to their business.

    • Up to 75% LVR available for commercial properties

    • Leaseback arrangements permitted if structured correctly

    • Flexible loan terms with interest-only or P&I repayments

    • Potential tax deductions on rent paid to the SMSF

    • Build wealth inside your super while paying rent to your own fund

    • Capital growth and rental income benefits within a tax-effective environment

    • Long-term security for your business location

Why Work With Vita Finance?

  • Experience Matters

    We’ve helped dozens of clients navigate the SMSF lending process, from setup to settlement.

  • Tailored Advice

    We work with your accountant and financial planner to ensure your SMSF loan meets ATO compliance guidelines.

  • Lender Access

    We partner with banks and specialist lenders who understand SMSF loans and offer competitive rates.

  • Support From Start to Finish

    From structuring your LRBA to loan approval, our team is with you every step of the way.

Ready to Explore SMSF Lending?

Whether you're considering buying your first investment property through your super, or expanding your SMSF portfolio with commercial premises, Vita Finance is here to help.

Speak with an SMSF lending specialist today.
Let’s turn your super into a smart investment vehicle.

get started today