Self-Managed Super Fund Loans

Build Your Wealth Through Property – Using Your Super

At Vita Finance, we help Australians invest in property through their Self-Managed Super Fund (SMSF) with expert guidance and tailored SMSF loan solutions. Whether you're just exploring your options or ready to take the next step, we're here to guide you through every stage of the process, and ensure you are speaking with the right professionals in your preparation to consider an SMSF investment pathway.

  • SMSF lending allows trustees of a Self-Managed Super Fund to borrow money to invest in residential or commercial property. These loans are structured under what’s called a Limited Recourse Borrowing Arrangement (LRBA) meaning the lender’s rights are limited to the property being purchased, not the other assets held in the super fund.

    This can be a powerful strategy for building long-term wealth, but it’s important to get the structure right — from tax implications to legal compliance. That’s where we come in.

  • You can use SMSF lending to purchase:

    • Residential investment property

    • Commercial property (e.g. offices, warehouses, retail spaces)

    • Your own business premises (if leased back to your business at market rates)

    Note: You cannot live in or directly benefit from a residential property purchased through an SMSF.

  • SMSF loans are more complex than standard loans and come with strict lending and legal requirements. Lenders will assess:

    • Your SMSF’s financial position

    • Contribution history and projected contributions for the SMSF

    • The property’s rental income potential

    • Loan-to-Value Ratio (LVR)

    • A clearly defined exit strategy

    At Vita Finance, we’ll coordinate with your accountant, financial adviser, and legal team to ensure your SMSF loan is fully compliant and structured correctly.

  • ·      Use your super to grow your property portfolio

    ·      Capital gains and rental income taxed at concessional super rates

    ·      Potential for business owners to purchase their own premises via SMSF

    ·      Build retirement wealth through tangible assets

    • You’ll need a compliant SMSF and trustee structure in place

    • The property must be purchased at arm’s length and rented on commercial terms

    • Ongoing compliance, audit, and legal obligations apply

    • Exit strategies (such as selling the property in retirement) must be clear and considered

Why Work With Vita Finance?

  • Experience Across Residential and Commercial SMSF Lending

  • Access to Specialist SMSF Lenders and Private Funders

  • Detailed Guidance Through Complex Loan Structures and Compliance

  • Clear Communication with Your Accounting and Advisory Team

  • Tailored Finance Strategies Aligned with Your Investment Goals

Let’s Talk SMSF Lending

Borrowing through super can be a smart and effective way to invest in property, but it’s not for everyone. Let’s talk through your goals and assess whether SMSF lending is the right strategy for you.

Book a consultation with Vita Finance and let’s explore your SMSF lending options with clarity, confidence, and care.