SMSF PROPERTY FINANCE
Specialist lending within a tightly regulated structure.
SMSF property borrowing involves lending, legal, tax and superannuation rules. Set the structure with qualified advisers before signing.
YOUR QUESTIONS, ANSWERED EARLY
The questions worth asking first.
Can an SMSF borrow like an individual?
No. SMSF borrowing is generally restricted. A property loan commonly needs to satisfy limited recourse borrowing rules and lender requirements.
Can the structure be fixed after signing?
Errors can be difficult and costly to correct. Obtain specialist legal, tax and licensed financial advice before entering a contract.
Does Jimmy recommend whether an SMSF should buy property?
Jimmy assists with credit and lending. Whether the strategy is appropriate for the fund requires advice from appropriately licensed and qualified professionals.
Can an SMSF buy residential or business premises?
Permitted use and related-party rules depend on the asset and transaction. Obtain licensed financial, legal and tax advice before deciding whether a property is suitable for the fund.
What do the broker, accountant, adviser and solicitor each do?
Jimmy handles the credit and lending process. The licensed financial adviser considers the fund strategy, the accountant addresses accounting and tax matters, and the solicitor establishes and reviews the legal structure and contract.
YOUR DECISION, CLEARLY FRAMED
What matters before the application.
SMSFs are generally restricted from borrowing, with limited recourse borrowing arrangements available only in particular circumstances. The asset, holding trust, investment strategy, liquidity and documents need to align.
WORKING WITH JIMMY
What the first conversation is like.
Can I talk before I am ready to apply?
Yes. You can start with questions, an early borrowing conversation or incomplete documents. The first step is to understand where you are now and what would make the next decision clearer.
Will my details be sent to a lender straight away?
No application is lodged without your agreement. Jimmy first reviews the situation, identifies missing information and explains the proposed pathway before you decide whether to proceed.
Will I deal directly with Jimmy?
Yes. You speak directly with Jimmy about the lending strategy, application questions and progress rather than being passed between a sales team and a call centre.
What will the service cost?
Any fee payable by you and any lender-paid commission arrangements will be explained before you proceed. Fees can differ for residential, commercial, business, development and specialist work, so the applicable terms need to be confirmed for your matter.
How long will it take?
Timing depends on the lender, valuation, document quality and complexity of the transaction. Once the pathway is clearer, Jimmy can explain the current requirements, likely sequence and any deadline risk that needs attention.
HOW JIMMY CAN HELP
A practical path from question to next step.
Explain the lending information required for a limited recourse borrowing proposal.
Coordinate with the fund’s licensed financial, legal and tax advisers.
Compare relevant lender criteria, contribution and liquidity requirements.
Manage valuation, approval and settlement steps once the structure is confirmed.
WHAT TO PREPARE
A useful first conversation starts with a few facts.
- SMSF and trustee details
- Investment strategy and adviser contacts
- Fund statements, contributions and liquidity position
- Proposed property, contribution and expected rent
Please do not send identity or financial documents through the website enquiry form.
WHAT HAPPENS NEXT
One clear step at a time.
Confirm the advice team
Establish the legal, tax and licensed advice required before signing a contract.
Review the fund position
Assess contribution, liquidity, cash flow and the lender’s documentation requirements.
Coordinate the transaction
Keep the borrowing and holding structures aligned through approval and settlement.
CLEAR EXPECTATIONS
Useful guidance without overpromising the outcome.
This page is general lending information. It is not financial product, superannuation, legal or tax advice.
START WITH YOUR POSITION
Bring the facts.
Leave with a clearer next step.
Or call Jimmy on 0411 337 262