SMSF lending
Considering investing in property via your SMSF? Explore how Chatswood Home Loans can guide your SMSF borrowing journey here.
SMSF Property & Investment Loans — How We Help
Why use an SMSF to invest in property?
Using a self-managed super fund (SMSF) to acquire investment property offers a way to channel rental income and capital gains back into your retirement savings. But the rules and lending criteria are far stricher than ordinary home or investment loans. Many SMSF trustees come to us wanting to:
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take control of their super’s investment direction
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build a property portfolio inside superannuation
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benefit from concessional tax treatment in accumulation (and potentially pension) phase
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achieve diversification beyond shares and managed funds
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use leverage while preserving liquidity in the fund
However, success depends on meticulous compliance, strong cash flows and finding the right loan structure. That’s where our SMSF lending support comes in.
How Chatswood Home Loans assists your SMSF borrowing
We specialise in helping trustees in Chatswood / Lower North Shore navigate each stage of the SMSF loan journey:
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Assess SMSF eligibility & compliance We review your SMSF’s structure, trust deed, investment strategy, liquidity, member profiles and compliance to determine whether property investment is viable under your fund.
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Set up the bare trust and legal structure We coordinate with legal or trust professionals to ensure the required bare trust is established properly, so the property title is held separately from your SMSF.
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Analyse borrowing capacity & loan options We estimate how much the SMSF can borrow, taking into account anticipated rental income, other fund income, expenses and cash buffers. Then we compare SMSF-specific loan products across multiple lenders.
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Tailor the loan structure We help define whether a fixed or variable rate suits you, whether interest-only periods are appropriate, and whether split or staged repayment structures make sense given the SMSF cash flows.
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Prepare application & documentation Because SMSF loans demand specialised paperwork (trust deeds, valuations, fund statements, compliance documents), we manage the collation and presentation of all required materials.
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Liaise with lenders & follow through to settlement We act as the intermediary with lenders, solicitors and valuers to keep the process on track. At settlement, we ensure everything transitions smoothly into the SMSF’s ownership and loan servicing begins.