What is an SMSF loan
An SMSF loan allows a self-managed super fund (SMSF) to borrow money to purchase an investment property — typically residential or commercial real estate. The property is held in a separate trust and generates rental income and long-term capital growth for the fund.
At h2o Loans, we help you navigate these requirements, connect with SMSF-friendly lenders, and structure your loan to remain compliant while maximising the return on your retirement savings.
How do SMSF loans work ?
SMSF loans allow your self-managed super fund to borrow money to invest in property. The property is held in a separate trust and is managed solely for the benefit of the fund. All rental income and capital gains must remain within the SMSF until retirement.
How the Loan Is Structured
Because SMSF loans are non-recourse, the lender's only security is the property itself. This means your personal assets are protected if the fund defaults — but the loan must meet strict compliance guidelines.
- The property is held in a separate Bare Trust structure
- All repayments are made from the SMSF's account
- Rental income and expenses flow through the SMSF
Why h2o Loans?
SMSF lending can be complex, but we make it simple. Our team works with SMSF-compliant lenders and guides you through every step — from structuring your loan and choosing the right property, to ensuring full compliance with ATO and lending rules.
With the right setup, an SMSF loan can help you build wealth inside your super — giving you long-term growth and more control over your retirement strategy.
Calculators
Buying a Property for yourself
or as an Investment
Whether you're purchasing your first home, upgrading, or entering the property market as an investor, navigating finance can feel overwhelming. That’s where we come in.
At h2o Loans, we simplify the lending process by comparing multiple lenders, negotiating competitive rates, and guiding you from application to settlement — all tailored to your property goals.
We are here to help you through the process
80%
Covered
Advantages of SMSF investment
Investing through a Self-Managed Super Fund (SMSF) gives you greater control over how your retirement savings are used. With the ability to invest in residential or commercial property, SMSFs offer flexible strategies tailored to long-term wealth growth.
Key advantages include potential tax benefits, rental income within the fund, and the opportunity to leverage super contributions to build a property portfolio. At h2o Loans, we help you explore SMSF loan options and ensure compliance every step of the way.
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At h2o Loans, we believe that buying a home or investing in property should never feel overwhelming. That's why our brokers, loan specialists, and support staff collaborate closely with you — making the process clear, fast, and stress-free. From application to settlement, we're with you every step of the way.
