build wealth through property using your SELF-MANAGED SUPER FUND
An SMSF loan allows you to purchase residential or commercial property using your super — a powerful strategy for building long-term wealth and gaining control of your retirement savings.
At Edgewater Finance, we specialise in SMSF lending. We make the process simple, strategic, and compliant — so you can focus on growing your super, not stressing about bank forms.
why buy property in your SMSF?
An SMSF loan (also known as a Limited Recourse Borrowing Arrangement, or LRBA) lets your self-managed super fund borrow money to invest in property. The property is held in a separate trust, and the lender’s rights are limited to that asset — which means the rest of your super remains protected.
why buy property in your SMSF?
01
Build Your Retirement Wealth
02
Control Your Super
03
Pay Less Tax
04
Diversify Your Portfolio
how we can HELP
Self-managed super fund loans are complex and heavily regulated. Mistakes can be costly — in both compliance and tax consequences.
Here’s how we make it simple:
SMSF Lending Experts
Strategic Loan Structuring
Access to the Right Lenders
End-to-End Support
who can apply for an SMSF LOAN?
You’ll need to meet a few conditions:
- Have an established SMSF with a valid investment strategy
- Have sufficient super balance and cash flow to support the loan
- Be buying an eligible investment property (residential or commercial)
- Ensure the property is for investment only — not for personal use or related parties
Don’t have an SMSF set up yet? We can connect you with trusted partners to get your structure in place first.
what types of property can you buy in your SMSF?
Residential Investment Property
Commercial Property
New Builds or Off-the-Plan?
is an SMSF LOAN right for you?
These loans aren’t for everyone. But for the right person, they can be a game-changer.
You may benefit if:
- You’re a savvy investor looking for more control over your super
- You already have an SMSF and want to diversify into property
- You’re a business owner wanting to buy your premises through super
- You have a strong super balance (generally $200K+ recommended)
let’s talk SMSF lending – OBLIGATION-FREE
Thinking about buying property through your super? Let’s have a confidential, no-pressure chat.
JAMES, BUSINESS OWNER (commercial SMSF loan)
James is a 48-year-old business owner with an established SMSF and around $600,000 in super. Challenge:
He was renting his commercial space and wanted to stop throwing money away on rent — ideally, he wanted his SMSF to own the building so he could pay rent to himself.
- Secure a commercial SMSF loan for 70% of the purchase price
- Set up the required bare trust structure with his accountant
- Negotiate SMSF-compliant lease terms between his business and fund
- Set a fixed interest rate to manage repayments for the next 5 years
FAQs - SMSF LOANS
Can I live in a property owned by my SMSF?
How much can my SMSF borrow?
What are the risks?
– Reduced liquidity in your fund
– Limited lender options
– Regulatory penalties for non-compliance
That’s why getting specialist advice is essential — and that’s what we’re here for.