 Many Australians have used funds that are ‘stuck’ in superannuation to purchase investment properties as a way to grow their retirement wealth. In this article we look at the process of purchasing property through a self-managed superannuation fund (SMSF). The first step in the process is to establish an SMSF. This must be done with the help of a licensed professional to ensure the SMSF is compliant. There are a number of steps here including registering the fund, appointing trustees and opening a dedicated bank account. As part of the process, an investment strategy will need to be created – include property investing in this strategy.
The second step in the process is for the investor to speak to a mortgage broker about securing finance. Borrowing through an SMSF is more challenging than taking out a regular home loan outside super; because there are fewer lenders in the SMSF space, they have tighter lending conditions and they charge higher interest rates. |
Latest READSSMSF borrowing update: What the Proposed Ban on Residential LRBA Means for Your Fund Archives
July 2026
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*There may be occasions where you may be charged a fee by your broker.
*Your broker is able to assess each lender's approval times and identify those that can provide approval quickly, however this is subject to change and can vary significantly based on how complex is your loan application and how quickly you’re able to provide the information we need.
*Not all lenders are available to all brokers. The exact details of the lenders your broker has access to is disclosed within the Credit Guide your broker gives to you when providing credit assistance or is available upon request.
*The way in which your broker will stay in touch with you will differ, however typically this will be via email. In addition you will be able to contact them for guidance as required. You are able to opt out of these communications at any stage
*There may be occasions where you may be charged a fee by your broker.
*Your broker is able to assess each lender's approval times and identify those that can provide approval quickly, however this is subject to change and can vary significantly based on how complex is your loan application and how quickly you’re able to provide the information we need.
*Not all lenders are available to all brokers. The exact details of the lenders your broker has access to is disclosed within the Credit Guide your broker gives to you when providing credit assistance or is available upon request.
*The way in which your broker will stay in touch with you will differ, however typically this will be via email. In addition you will be able to contact them for guidance as required. You are able to opt out of these communications at any stage