SK Finance and Home Loans
SMSF Property Lending
SMSF property lending comes with additional rules and requirements. We can help you understand the finance side of the process.
About this service
Finance guidance built around your circumstances.
Considering property through a Self-Managed Super Fund? We can help you understand the lending side and the requirements involved.
Every borrowing situation is different. Your income, financial position, goals, property and the lender's assessment criteria can all affect the options available to you.
Our role is to help you understand the finance process, discuss your requirements and explore lending options that may be suitable for your circumstances.
Who this may be for
This service may be relevant to customers in situations such as:
- SMSF trustees considering property finance.
- Customers exploring an eligible SMSF property purchase.
- Existing SMSF property owners reviewing their lending.
- Borrowers wanting to understand SMSF lending requirements.
How we can help
Depending on your circumstances, we can help you understand areas such as:
- Discussing SMSF lending options.
- Understanding lender requirements.
- Reviewing relevant financial information.
- Explaining the application process.
- Coordinating required finance documents.
Things to consider
Your circumstances matter.
When assessing a lending option, there are several factors that may need to be considered. The exact requirements depend on the lender and your individual circumstances.
Your SMSF structure.
The proposed property.
Superannuation and lending rules.
Trustee responsibilities.
Lender requirements.
Independent professional advice.
Why work with us
A simpler way to approach your finance.
We focus on clear conversations, practical guidance and helping you understand your lending options.
A clearer understanding of the lending process.
Access to available SMSF lending options.
Help understanding lender requirements.
Support with the finance application.
Our process
From conversation to next steps.
The exact process can vary depending on your circumstances, lender and finance requirements. Generally, the journey can look like this.
Discuss your plans
We discuss the proposed property and what you are looking to achieve.
Review the information
We identify the financial and SMSF information potential lenders may require.
Explore lending options
We look at SMSF lending options available through our lender panel.
Prepare the documents
The relevant SMSF and financial documents are prepared for lender assessment.
Lender assessment
The lender assesses the application against its lending requirements.
Settlement
Subject to approval and completion of the required process, the purchase can move towards settlement.
Getting prepared
Documents you may need.
The documents required will depend on your circumstances and the lender. These are examples of information that may be requested.
Identification.
SMSF trust and fund documents.
Financial statements, where required.
Property information.
Income and asset information.
Other documents requested by the lender.
Frequently asked questions
Questions about smsf lending?
Can an SMSF borrow to buy property?+
An SMSF can borrow for certain investment purposes under specific structures and conditions. Financial, tax and legal advice should be obtained before proceeding.
Can an SMSF buy any property?+
SMSF property investments are subject to superannuation law, the fund's trust deed, investment strategy and other requirements.
Does SK Finance provide SMSF financial advice?+
Our role is focused on lending and credit assistance. You should obtain appropriate financial, tax and legal advice about whether an SMSF property investment is suitable for you.
Let's talk
Ready to talk about your finance goals?
Start with a conversation about your goals and circumstances. We'll help you understand the next steps and the lending options that may be available to you.
SMSF property investment and borrowing involves legal, tax and superannuation considerations. Independent financial, tax and legal advice should be obtained before proceeding. Lending remains subject to lender criteria, assessment and approval.