SMSF Mortgage Lenders and Loan Options in Sydney
Your Ambition Needs Capital. We Secure It.
Financing property in an SMSF isn’t like getting a normal mortgage. Our specialist SMSF mortgage lenders understand Limited Recourse Borrowing Arrangements, work exclusively with SMSF-experienced lenders, and structure loans that protect your fund while maximising borrowing capacity.
SMSF Lending That Protects Your Retirement While Building Wealth
The banks that fled SMSF lending in 2018 left a gap that specialist lenders now fill. But navigating this new landscape requires expertise standard brokers don’t possess. Can they structure a bare trust correctly? Do they understand single acquirable asset rules? Will their loan documentation satisfy your auditor?
Our SMSF mortgage specialists bring deep expertise that standard brokers simply can’t match. With exclusive focus on superannuation lending, they understand every requirement of Limited Recourse Borrowing Arrangements, from trust structures to lender requirements. Most clients discover lending options they didn’t know existed—competitive rates, flexible terms, and structures that maximise their investment capacity.
We translate complex SMSF borrowing rules into clear lending strategies. You don’t need to understand every technical requirement—we ensure your borrowing arrangement complies with both ATO rules and lender requirements while you focus on building property wealth.
Core Competencies of Our SMSF Mortgage Specialists
Limited Recourse Borrowing Arrangement Structuring
Our lending specialists don’t just arrange loans—they structure complete borrowing arrangements that satisfy strict SMSF requirements. Every LRBA includes proper bare trust establishment, single asset compliance, and documentation that withstands scrutiny.
Specialist Lender Access
While major banks abandoned SMSF lending, specialist lenders emerged with competitive products. Our brokers maintain relationships with these niche lenders, accessing rates and terms unavailable through standard channels.
Compliance-Focused Documentation
SMSF loans require specific documentation beyond standard mortgages. Our specialists ensure every document—from bare trust deeds to loan agreements—meets both lender requirements and ATO compliance standards.
Strategic Lending Optimisation
Different properties and strategies require different lending approaches. Our specialists structure borrowing to maximise tax benefits, minimise costs, and align with your broader SMSF strategy.
Why choose Clarity SMSF?
Experience expert SMSF guidance from a local, transparent team that puts your financial future first
SMSF-Only Lending Focus
Our mortgage specialists work exclusively with SMSF borrowers, understanding every compliance requirement, lender preference, and structuring opportunity. This specialisation avoids costly mistakes that general brokers routinely make.
Beyond Rates to Complete Solutions
While standard brokers chase lowest rates, our specialists ensure complete lending solutions—proper structures, compliant documentation, and ongoing support through the loan term.
Proven Track Record
With hundreds of successful SMSF loans arranged, our specialists bring experience that translates to smoother approvals, better terms, and fewer complications.
Your journey to
SMSF Confidence
1
Personalised SMSF Assessment
We'll tell you straight if an SMSF is right for you. Unlike those who'll set one up for anyone with a pulse and a credit card.
2
Customised Strategy Creation
Your complete SMSF team crafts a strategy around your specific goals. No cookie-cutter approaches, just personalised planning that actually fits.
3
Seamless Establishment Process
We handle the complex setup while you maintain control. Trust deeds, ATO registration, asset transfers—all done right first time.
4
Guided Investment Implementation
We handle the complex setup while you maintain control. Trust deeds, ATO registration, asset transfers—all done right first time.
5
Ongoing Support & Optimisation
We don't disappear after setup like online providers. Regular reviews and proactive adjustments keep your SMSF on track as life evolves.
SMSF Professional Network
Integrated SMSF Expertise
Your SMSF accountant works seamlessly with our complete specialist network, ensuringevery aspect of your fund receives expert attention:
This coordinated approach eliminates gaps between advisors, ensuring consistent strategyacross all aspects of your SMSF.
Experience the
Specialist Advantage
Ready to experience what truly integrated SMSF expertise delivers? Our specialists are prepared to demonstrate the measurable difference that focused knowledge and coordinated strategy makes to your retirement wealth.
Not sure where to start? Contact us for a confidential discussion about your current SMSF requirements.
All the answers to
your questions
Property strategy often changes when transitioning to pension phase. Our advisors help evaluate whether to retain properties for income, sell for capital gains tax advantages, or restructure holdings to optimise pension phase benefits.
Our advisors hold real estate licenses, specific SMSF training, and ongoing professional development in superannuation property investment. This combination of property expertise and SMSF knowledge ensures comprehensive, compliant advice.
SMSFs can borrow through limited recourse borrowing arrangements (LRBAs) with specific restrictions: single acquirable asset rules, separate trust structures, and no improvements using borrowed funds. Our advisors work with lending specialists to structure compliant borrowing arrangements.
Property allocation depends on your fund’s size, investment strategy, and diversification requirements. Our advisors ensure property investment maintains appropriate portfolio balance, typically recommending no more than 50-70% in single asset classes for risk management.
While buyer’s agents focus on finding and negotiating property purchases, SMSF property advisors specialise in the complex compliance requirements of superannuation property investment. They understand sole purpose tests, related party rules, and borrowing restrictions that standard agents often overlook. This expertise prevents costly compliance failures while identifying opportunities specific to SMSF investment.
Our SMSF property advisory services typically involve a percentage of the purchase price or fixed fee structure, clearly disclosed upfront. Unlike some buyer’s agents who receive vendor commissions, our advisors work exclusively for you, ensuring aligned interests.
Beyond standard investment metrics, our advisors evaluate properties against SMSF-specific criteria: compliance with regulations, alignment with documented investment strategy, diversification requirements, liquidity considerations, and integration with retirement planning objectives.
Our property advisors work seamlessly with accountants for tax optimisation, lawyers for documentation, lenders for financing, and financial advisors for portfolio integration. This coordination ensures your property investment strengthens rather than complicates your SMSF strategy.
Absolutely. Commercial property offers unique advantages for SMSFs, particularly for business owners who can purchase their premises and lease them back. Our advisors understand business real property rules, ensure arm’s length lease arrangements, and coordinate with lending specialists for optimal financing structures.
Residential property owned by members cannot be transferred to an SMSF. However, commercial property classified as business real property can be purchased from related parties at market value. Our advisors assess eligibility and coordinate the complex transfer process when permitted.
While SMSFs cannot develop property directly, they can participate through unit trusts or joint ventures. Our advisors identify compliant development opportunities, ensuring proper structuring while accessing wholesale returns typically unavailable to individual investors.
While our expertise centres on Sydney, we can assist with interstate SMSF property investment. Our advisors understand varying state regulations, stamp duty implications, and coordinate with local professionals when needed.