Use your super to invest in property the right way
We specialise in SMSF lending strategies ensuring your loan is structured correctly so you can build wealth safely and efficiently.
How an SMSF loan works
A Self-Managed Super Fund (SMSF) loan allows you to buy an investment property within your super, using Limited Recourse Borrowing Arrangements (LRBA) to protect your other super assets. But not all lenders offer SMSF loans, and getting it right requires expert structuring. The rules are complex, and the wrong setup can cost you time, money, and investment opportunities.
Leverage your superannuation
Invest in property using your existing super balance.
Rental income & capital growth stay in your fund
Limited recourse borrowing
Protects your other super assets from risk, ensuring the loan is secured only against the purchased property.
Super fund compliance
SMSF loans must meet ATO guidelines and lender requirements, and we work with your accountant to ensure the loan is structured correctly 2.
The right SMSF loan for
long-term growth
SMSF loan solutions are not like standard home loan solutions, they have strict lending rules, and the wrong structure could limit your future borrowing or trigger tax issues. We help you get it right.
Lender choice matters
Many banks don’t offer SMSF loans. We compare the ones that do.
Strategic loan structuring for portfolio growth
We don’t just help you secure an SMSF loan, we ensure its structured to keep your fund’s borrowing power strong for future investments.
ATO & compliance guidance
We work with your accountant and financial advisor to keep everything above board, so you don’t have to stress about it.
The biggest mistake SMSF investors make when buying property
Many SMSF investors go straight to their bank only to get rejected. SMSF loans have stricter lending criteria than regular loans, and most banks don’t offer them at all. We match you with lenders that understand SMSF borrowing and investment strategies.
We make sure you get:
Your loan that meets SMSF lending rules
The best interest rates from SMSF-friendly lenders
A structure that supports long-term investment goals
We take care of the entire SMSF loan process, from strategy to settlement. No paperwork headaches. No time wasted. Just SMSF loans structured for your goals, simplified.
What our clients say
I’ve had an outstanding experience with OpenCorp. The whole process was seamless from start to finish. The team were professional, knowledgeable, and supportive throughout every stage. They made the entire journey, from finding the right property, securing finance, right through to property leasing and management, completely stress-free.
Michael
We have 2 properties with Opencorp. They have a team of superstars ready to answer anything that needs addressing. Our experience was smooth and stress free, exactly what you want when starting out on an investment journey. Exceptional service 10 out of 10 and we have absolutely no hesitation in recommending Opencorp to anyone looking to start or build on their investment property journey.
Elise
We can’t thank OpenCorp enough for helping us on this financial journey in buying our first investment property. It was a big step for us, and we felt supported throughout the process from introduction, to completion of our first property just recently. We never felt pressured but supported, and the team at OpenCorp were always on hand to guide us through each step. Glad we chose OpenCorp to walk with us in this journey. Thank you to the entire team.
Adrian
How to get an SMSF loan
step-by-step
Investing in property through an SMSF? Here’s how we make the process simple and compliant.
SMSF loan FAQs
Disclaimer: OpenCorp does not provide financial, tax, or legal advice regarding SMSFs. We strongly recommend speaking with a licensed financial adviser or tax professional before making any decisions about using your SMSF to invest in property. Our role is to assist with SMSF loan structuring and lender selection only.
How much super do I need to buy property through my SMSF?
Most lenders require your SMSF to have at least $200,000+ in assets, but every situation is different. Speak with a licensed financial adviser to determine whether SMSF property investment is right for you. If you don’t have one, we can connect you with a number of independent, licensed financial advisers who specialise in SMSF property and have no financial affiliation with OpenCorp.
Can I live in a property my SMSF buys?
No, SMSF properties must be for investment purposes only, as required by the ATO.
Can my SMSF borrow the full property price?
No, SMSF loans typically cover 70-80% of the property value, meaning your SMSF will need to contribute 20-30% plus costs.
Can I use my SMSF to buy commercial property?
Yes! Many business owners buy their own business premises through their SMSF, but there are strict rules around this. We recommend speaking with a licensed financial adviser before proceeding.
Do all banks offer SMSF loans?
No, many banks have stopped offering SMSF loans, so it’s important to find an SMSF-friendly lender.
What happens if my SMSF can’t make loan repayments?
Since SMSF loans use Limited Recourse Borrowing Arrangements (LRBA), only the property is at risk, not your other super assets.
Can my SMSF buy multiple investment properties?
Yes, but each property requires a separate loan under SMSF lending rules. A financial adviser can help determine if this strategy aligns with your fund’s investment objectives.
What tax benefits come with SMSF property investment?
Depending on your personal circumstances, SMSFs could offer tax advantages for property investors:
- Lower tax on rental income, Complying SMSF’s pay just 15% while in the accumulation phase3
- Reduced Capital Gains Tax (CGT), If the property is held for more than 12 months4
Disclaimer: OpenCorp does not provide financial, tax or legal advice regarding SMSFs. We strongly recommend consulting a licensed financial adviser or tax professional before making any SMSF investment decisions.
Can my SMSF refinance an existing property loan?
Yes, but SMSF refinancing rules are stricter than standard loans. We help find lenders that offer refinancing, but speak with a financial adviser to understand the implications for your fund.
What’s the biggest mistake SMSF investors make when buying property?
Using the wrong lender or structuring the loan incorrectly. A bad SMSF loan can limit your ability to grow your portfolio, we make sure that doesn’t happen. However, we do not provide financial advice and recommend consulting an SMSF specialist for personalised guidance.
References:
1 Australian Taxation Office (ATO), Investment Rules for SMSFs.
2 Australian Taxation Office (ATO), Limited Recourse Borrowing Arrangements – LRBA Rules.
3 Australian Taxation Office (ATO), SMSF Taxation Guidelines.
4 Australian Taxation Office (ATO), CGT Concessions for Super Funds.
Borrow through your SMSF the right way
If structured correctly, SMSF property investors can use leverage to open the door to more property options meaning potentially higher capital growth or rental income, while also lowering costs and providing more flexibility to adapt to your elected SMSF strategy.