SMSF Loan Solutions
Efficient Frontier Finance provides expert guidance on structuring and securing loans within your SMSF, enabling you to leverage borrowing power for strategic investments while maintaining full regulatory compliance.
What Is an SMSF Loan?
An SMSF loan—commonly implemented via a Limited Recourse Borrowing Arrangement (LRBA)—allows your fund to borrow money to purchase a single asset (often residential or commercial property) that the SMSF otherwise could not acquire outright. The key features are:
Limited Recourse: If the loan defaults, the lender’s claim is restricted to the asset held in the LRBA “bare trust”—your other SMSF assets are protected.
Targeted Asset: Borrowing must be used to acquire a single, clearly identified asset; improvements and renovations can be included under strict conditions.
Documented Structure: A compliant trust deed and loan agreement, plus establishment of a “borrowing trust” (bare trustee), are mandatory.
How We Help
How We Help SMSF Clients as Your Mortgage Broker
Borrowing Capacity & Feasibility Assessment
We analyse your SMSF’s cash flow, contribution history and reserve buffers to determine how much you can borrow under an LRBA (Limited Recourse Borrowing Arrangement) while still meeting compliance and cash-flow requirements.Specialist Lender Selection
Drawing on our panel of SMSF-savvy lenders, we match you with institutions that understand trustee needs—securing competitive interest rates, flexible loan-to-value ratios and suitable deposit structures.Loan Structuring & Documentation
We work closely with your financial adviser and legal counsel to ensure your trust deed supports the borrowing, draft or review the bare-trust arrangement, and prepare the loan application with all required SMSF addenda.Interest Rate & Fee Negotiation
Leveraging our relationships and volume, we negotiate preferential pricing on establishment fees, ongoing loan administration charges and interest margins—helping you keep overall borrowing costs as low as possible.Application Management
From collating your SMSF’s financial statements, investment strategy and trust deed through to liaising with lender underwriters, we manage the end-to-end application process—minimising your administrative burden and time to approval.Settlement Coordination
We coordinate between your conveyancer, auditor and lender to ensure a smooth settlement—verifying that funds flow correctly into the SMSF’s bare-trust, and confirming all compliance checks are complete.Ongoing Advocacy & Review
After settlement, we monitor market movements and periodically review your loan structure. If refinancing or top-up borrowing becomes advantageous, we guide you through the process to ensure your SMSF continues to operate within its strategic objectives.
The Reality Of The Majority Of SMSF Loans Offered Today
SMSF property lending can unlock powerful investment opportunities—think competitive interest rates, a broader range of eligible properties and a streamlined fee structure. At Efficient Frontier Finance, our specialist SMSF lending expertise ensures you benefit from:
Tailored Lending Solutions
Access loan products designed specifically for SMSFs, with flexible property criteria and transparent, value-driven fees.Expert Guidance
We manage every compliance detail—from trust-deed reviews to loan documentation—so you never have to worry about regulatory hurdles.Efficient Process
Our deep relationships with SMSF-savvy lenders mean faster approvals, smooth settlements and no surprises.Competitive Rates
Leveraging our market knowledge and volume, we negotiate preferential pricing to maximise your SMSF’s borrowing power.
By simplifying the SMSF borrowing process and securing exceptional terms, we empower you to invest confidently and grow your retirement portfolio.
Your retirement fund might increase by hundreds of thousands of dollars with the right SMSF loan.
Unlock the full potential of your retirement savings with an SMSF property loan. If purchasing an investment property outright feels out of reach, an SMSF loan can be an excellent strategy—empowering your fund to acquire high-quality assets and significantly enhance your retirement nest egg.
With the right loan optimisation, fund structure and property selection, you could see your SMSF balance grow by hundreds of thousands of dollars over time. To ensure you’re making the most of this opportunity, ask yourself:
Am I leveraging my fund’s full borrowing capacity?
Using every dollar you’re entitled to borrow maximises your investment potential.Have I explored Related Party Loans?
When structured correctly, these arrangements can deliver cost-effective financing and streamlined repayments.Am I comparing LVRs across lenders?
Securing the most competitive loan-to-value ratio expands your purchasing power and positions your fund for stronger growth.
By focusing on these key factors—and partnering with an SMSF lending specialist—you’ll be well placed to build a larger, more robust retirement portfolio.
How We Can Help Your Super Fund Produce Better Results
At Efficient Frontier Finance, we combine market-leading lending products, innovative strategies, personalised service and low-cost fee structures to help SMSF trustees optimise their borrowing framework and achieve superior outcomes.
Imagine securing finance at attractive interest rates to acquire a high-yield, high-growth asset—directly through your SMSF. Or picture owning the rural retreat you’ve always dreamed of, funded from your retirement savings.
Contact us today to explore how we can refinance your existing loan or establish a flexible SMSF home loan tailored to your goals. Our obligation-free, fee-free consultation will show you exactly what’s possible—no strings attached.
Eligibility
Efficient Frontier Finance offers SMSF lending for a range of strategic purposes:
Residential Property Acquisition
Finance the purchase of residential real estate through your SMSF—trustee must be a non-trading corporate entity.Commercial Property Investment
Access loans for non-specialised commercial real estate, giving your fund exposure to income-producing assets.SMSF Loan Refinancing
Refinance an existing SMSF loan with any ACL-approved lender, provided the original property remains as security:If the original loan financed a residential property, your SMSF trustee must be a corporate entity.
If the original loan financed a business property, trustees may be either a corporate entity or individual(s).
Prepared to apply?
Consultation & Application Requirements
Our specialist consultants are ready to assist—whether you’re prepared to apply now or simply exploring your options. To help us process your SMSF loan application quickly and efficiently, please have the following documentation on hand:
Certified SMSF Trust Deed
Certified Custodian (Bare Trust) Deed
Financial Information
Last 3 years of audited SMSF financial statements
12 months of SMSF bank statements
Rental income estimates (if applicable)
Contract of Sale
Full signed copy for the property you wish to acquire or refinance
With these documents in place, we can assess your borrowing capacity, verify compliance and guide you through every step of the application process. Contact us today for your free, no-obligation consultation.