Australian Home Roofline & Sky

Buy Property Inside Your Super: 80% LVR SMSF Lending Blueprint

The Big 4 retail banks exited SMSF lending in 2018. If you want to buy an investment property or commercial warehouse inside your Self-Managed Super Fund, you cannot get it from a standard retail branch. Discover how Australian trustees access wholesale non-bank credit lines up to 80% LVR with competitive rates and 48-hour pre-approval.

🔒 100% Free • Protects Your Credit Score • 40+ Bank & Wholesale Panels
Pick your scenario:
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Residential in Super?
Borrow up to 80% LVR to acquire investment property with 15% capped tax.
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Commercial Shed or Office?
Buy your business premises in SMSF & pay 100% tax-deductible rent to yourself.
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Overpaying on SMSF Loan?
Slash legacy rates from 8.5%+ down to wholesale non-bank rates from 6.64%.
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Pooling Super Balances?
Combine up to 6 member balances with spouse or partners to uncap purchasing power.
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How it works

How it works (takes 2 minutes):

1. Answer a few quick questions

Tell us what you’re buying and what you need. Takes 60 seconds and won't touch your credit score.

Answer a few quick questions

2. We match you with the right broker

We connect you with a verified, top-rated local broker who actually specialises in your exact situation.

We match you with the right broker

3. Your broker fights & wins for you

They compare 40+ lenders, handle the paperwork, and get your pre-approval locked in before Saturday. 100% free.

Your broker fights & wins for you
Calculator

Calculate your offset savings

See your true repayments and how much interest you can intercept each month.

Loan amount $750,000
Open 100% Offset Calculator →
Estimated monthly repayment
$4,372 / mo
Potential Monthly Relief +$281 / mo
Mortgage Term 30 Years
Experts

Board of accredited specialists

David Chi Tran
Beat My Home Loan · Refinance
Luke Ashby
Emerge Finance · FHB & Refinance
Emerge Finance
Priority 48-Hour Bank Approvals
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Goals

What kind of loan match are you looking for?

Buy your first home
›
Lower your repayments
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Grow your business
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Finance a vehicle or asset
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Scale your portfolio
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Solve a complex loan
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What SMSF Trustees Say About Best Brokers

Mark & Sarah D.
Mark & Sarah D.
Residential SMSF Trustees · Sydney, NSW
★★★★★ Verified Settlement
Secured 80% LVR in 3 Weeks After Big 4 Rejections
"When CBA closed their SMSF loan department, our bank told us borrowing inside super was impossible. David Chi Tran structured our Bare Trust, got our $1.15M loan approved through Thinktank, and settled our coastal townhouse smoothly."
MD
Mark & Sarah D.
Residential SMSF Trustees · Sydney, NSW
Greg & Linda M.
Greg & Linda M.
Commercial Freehold Trustees · Brisbane, QLD
★★★★★ Verified Settlement
Bought Our 380sqm Commercial Office in Super
"We were spending $6,500/mo leasing our headquarters. Emerge Finance structured an LRBA inside our SMSF to buy the freehold suite for $1.65M. Our operating company now pays tax-deductible rent straight into our fund."
GM
Greg & Linda M.
Commercial Freehold Trustees · Brisbane, QLD
Jason & Craig B.
Jason & Craig B.
Industrial Depot Trustees · Melbourne, VIC
★★★★★ Verified Settlement
Financed Our 450sqm Industrial Factory Shed
"As engineering directors with combined super balances, we pooled our funds into a 2-member SMSF to buy our new fabrication warehouse. Secured a 75% LVR facility through La Trobe Financial with zero personal property liens."
JB
Jason & Craig B.
Industrial Depot Trustees · Melbourne, VIC
Fiona & Andrew W.
Fiona & Andrew W.
Small Business Trustees · Perth, WA
★★★★★ Verified Settlement
Refinanced from 8.95% to 6.74% Wholesale Rate
"Our legacy SMSF lender had jacked our interest rate above 8.9%. Our broker refinanced our fund dollar-for-dollar to Firstmac's wholesale SMSF desk at 6.74%, saving our super over $16,800 a year in dead interest."
FW
Fiona & Andrew W.
Small Business Trustees · Perth, WA
Features

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Loan Scenario Planner
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Scenario Plan

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Structure complex borrowing with zero credit footprint.

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Finance Guides
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The Best Brokers Advantage

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When branch algorithms decline an application, our brokers navigate 40+ wholesale panels with zero credit footprint.
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SMSF Property Knowledge Base

SMSF Property Lending Blueprints & Technical Guides

SMSF Property Loans Australia: 2026 Master Borrowing Blueprint
SMSF Property Loans Australia: 2026 Master Borrowing Blueprint
Master Blueprint · 5-Min Master Guide
 LRBA Explained: Limited Recourse Borrowing Rules & Legal Protections
LRBA Explained: Limited Recourse Borrowing Rules & Protections
Legal & LRBA · 5-Min Master Guide
 SMSF Bare Trust & Corporate Trustee Setup: Avoid the $50k Stamp Duty Trap
SMSF Bare Trust & Corporate Trustee Setup: Stamp Duty Traps
Legal Structure · 5-Min Master Guide
 Commercial Property in SMSF: Buy Your Business Premises & Pay Rent to Yourself
Commercial Property in SMSF: Buy Your Warehouse or Office
Commercial Freeholds · 5-Min Master Guide
 SMSF Residential Property Rules: Sole Purpose Test & In-House Asset Restrictions
SMSF Residential Property Rules: Sole Purpose Test & ATO Laws
ATO Compliance · 5-Min Master Guide
 2026 SMSF Loan Rates: Wholesale Non-Bank Comparison Matrix
2026 SMSF Loan Rates: Wholesale Non-Bank Comparison Matrix
Rate Comparison · 5-Min Master Guide
 Why the Big 4 Banks Exited SMSF Lending (And Why Non-Banks Fill the Void)
Why the Big 4 Exited SMSF Lending: Non-Bank Credit Lines
Market History · 5-Min Master Guide
 SMSF Borrowing Power Calculator: Contribution & Net Rent Servicing Formulas
SMSF Borrowing Power: Contribution & Net Rent Calculations
Servicing Formulas · 5-Min Master Guide
 SMSF Maximum LVR & Liquidity Buffers: 80% Residential & 75% Commercial Limits
SMSF Maximum LVR & Liquidity Buffers: 80% & 75% Limits
Deposit & Liquidity · 5-Min Master Guide
 Single Acquirable Asset Rule: Avoid Off-the-Plan Two-Part Contract Traps
Single Acquirable Asset Rule: Two-Part Contract Pitfalls
Legal Invariants · 5-Min Master Guide
 Repairs vs Improvements in SMSF: What Alterations Are Legal Under an LRBA
Repairs vs Improvements in SMSF: What Alterations Are Legal
Renovations & ATO · 5-Min Master Guide
 SMSF Property Tax Benefits: 15% Rental Tax & 0% Capital Gains in Pension Phase
SMSF Property Tax Benefits: 15% Tax & 0% Pension CGT
Tax & Wealth · 5-Min Master Guide
 Medical Practice Real Estate in SMSF: Doctors, Dentists & Specialist Clinics
Medical Practice Real Estate in SMSF: Doctors & Clinics
Medical Specialists · 5-Min Master Guide
 Tradie Blueprint: Buying Your Industrial Shed & Workshop Inside Super
Tradie Blueprint: Buying an Industrial Shed in SMSF
Tradie Freeholds · 5-Min Master Guide
 Multi-Member SMSF Property Loans: Pooling Super with Spouses or Business Partners
Multi-Member SMSF Property Loans: Pooling Super Balances
Fund Pooling · 5-Min Master Guide
 SMSF Loan Refinancing: Slashing Interest Rates with Strict No-Cash-Out Laws
SMSF Loan Refinancing: Slashing Rates & No-Cash-Out Rules
Refinancing · 5-Min Master Guide
 SMSF Property Buying Process: 60-Day Step-by-Step Timeline & Milestones
SMSF Property Buying Process: 60-Day Step-by-Step Timeline
Timeline & Steps · 5-Min Master Guide
 Concessional Contributions & SMSF Servicing: Maximizing the $30,000 Annual Cap
Concessional Contributions: Maximizing SMSF Servicing
Super Servicing · 5-Min Master Guide
 Off-The-Plan & Construction Loans in SMSF: SIS Act Section 67A Restrictions
Off-The-Plan & Construction Loans in SMSF: Section 67A Rules
Turnkey & Off-Plan · 5-Min Master Guide
 Top 10 SMSF Property Audit Mistakes & How to Maintain Strict ATO Compliance
Top 10 SMSF Property Audit Mistakes & ATO Compliance
Audit Compliance · 5-Min Master Guide

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Yes, 100% free. Mortgage brokers are compensated by the lender upon successful loan settlement. Under ASIC Best Interests Duty (BID), brokers are legally prohibited from recommending a loan based on lender commission.
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No, absolutely not. Browsing brokers and running our scenario test creates zero footprint on your credit file (no hard inquiries). A credit check is only lodged much later when you formally instruct an accredited broker to lodge an application with a chosen bank.
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Bank branch staff can only sell you their own institution's products, and by law, they are not bound to act in your best interests. An accredited mortgage broker is legally bound under the National Consumer Credit Protection (NCCP) Act to compare 35+ tier-1 lender panels and fight for the best terms for your situation.
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We cross-reference active Australian Credit Licences (ACL) and Credit Representative numbers with ASIC registers, analyze verified Google & Trustpilot review veracity, audit settlement velocity, and enforce clean regulatory track records.
How does the 5% First Home Guarantee work? +
The Federal First Home Guarantee allows eligible Australian first home buyers to purchase a property with as little as a 5% deposit without paying expensive Lenders Mortgage Insurance (LMI), saving up to $25,000 upfront. Our specialists verify your scheme eligibility and property price caps in minutes.
Can I get a loan if I'm self-employed with only 1 year of tax returns? +
Yes. While traditional bank branches often demand 2 full years of personal and business tax returns, our verified ABN specialists have access to alt-doc and 1-year financial credit desks that assess 12 months of BAS statements or accountant declarations.
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