Take Control of Your Retirement Wealth
Self-Managed Super Fund (SMSF) loans allow you to purchase residential or commercial property within your SMSF. This gives you the ability to grow your retirement savings while maintaining control over your investment strategy.
With the right SMSF loan, you can:
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Invest in property for long-term wealth creation
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Retain full control over your SMSF investments
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Leverage borrowing to maximize growth potential
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What is an SMSF Loan?
An SMSF loan allows your self-managed super fund to borrow money to purchase a single acquirable asset, such as residential investment property or commercial real estate, under a Limited Recourse Borrowing Arrangement (LRBA).
The lender's recourse is limited to the purchased asset only, protecting the rest of your super. A separate bare trust holds the property on behalf of the SMSF while the fund repays the loan.
Tax-Effective Structure
Rental income & capital gains taxed at concessional super rates
Portfolio Diversification
Add property for potential income and capital appreciation within super
Leverage Opportunities
Borrow more than cash alone allows for greater growth potential
Limited Recourse Protection
Safeguards other super assets from lender claims
Important Considerations: SMSF loans involve compliance rules, higher setup complexity, and often require a solid fund balance, liquidity buffers, and strong serviceability. Always seek independent financial, tax, and legal advice.
What Our Clients Are Saying
We were new to SMSF property investing and appreciated how patient and thorough the guidance was. The loan structure, documentation, and timeline were all managed carefully, which gave us confidence throughout the process.
Tan.P
The advice went beyond just getting approval. We received a clear strategy that aligned with our SMSF’s long-term retirement goals, while staying fully compliant. Highly recommend for anyone considering property through their SMSF.
Luke.W
SMSF lending can be complex, but Liem made the loan process down into clear, manageable steps. From lender selection to final approval, everything was handled carefully and in line with SMSF requirements.
Mo.S
Our SMSF Loan Process
We make investing through SMSF simple by guiding you through a clear, strategic loan process from start to finish.
Want to Explore SMSF Loan Options?
Whether you are exploring borrowing capacity before setting up an SMSF, purchasing your first SMSF property, or refinancing an existing fund, access compliant lending solutions structured to support your long-term retirement strategy.
No obligation, just expert advice to help you make the informed decision.
Why Choose Us?
SMSF Expertise
We specialise in SMSF lending and understand the compliance, LRBA rules, and lender requirements so you can invest with confidence.
Tailored Loan Solutions
Every SMSF is unique. We structure loans and strategies to match your fund’s goals, cash flow, and long-term retirement objectives.
Long-Term Partnership
We’re here not just for your first SMSF property, but for future investments and growth strategies, helping your SMSF portfolio succeed over time.
Contact Us
Liem Ngo - LNG Mortgage Solutions
Phone: 0415 455 009
Email: liem.ngo@lngmortgagesolutions.com
Website: www.lngmortgagesolutions.com.au
Disclaimer
The information on this page is general in nature and relates only to SMSF loan options. It does not consider your personal objectives, financial situation, or needs and is not financial, tax, or legal advice. SMSF borrowing is subject to strict compliance requirements and may not be suitable for all funds. You should seek independent advice from a licensed financial adviser, tax professional, and/or legal adviser before making any SMSF-related decisions.