SMSF loans
Invest in property through your Self-Managed Super Fund with confidence. HS Finance offers tailored SMSF loan solutions designed to help you grow your retirement wealth through smart property investment.
HS Finance — Self-Managed Super Fund Property Finance
An SMSF loan allows your Self-Managed Super Fund to purchase investment property and build long-term retirement wealth. HS Finance provides specialist guidance to structure your loan correctly and align it with your investment goals.
We simplify what can be a complex process by helping trustees understand requirements, compare lenders, and move forward with clarity and confidence.
What is an SMSF loan?
An SMSF loan is a specialised lending structure that enables a Self-Managed Super Fund to borrow money to acquire an investment property. The property is held in a separate legal trust arrangement while repayments are made from the SMSF.
Because SMSF lending is governed by strict regulations, proper structure and professional guidance are essential to ensure compliance and long-term success.
SMSF Lending Made Clear
SMSF loans are specialised and come with strict lending rules. HS Finance simplifies the process by guiding you through compliance requirements, lender criteria, and loan structures—so your investment stays on track.
What You Can Buy with an SMSF Loan
- Residential investment properties
- Commercial properties (including business premises)
- Property held under a compliant bare trust structure
Fully-Featured Mortgage Loans
At HS Finance, we believe in keeping things clear, simple, and transparent.
Our goal is to deliver all the benefits you’d expect from a major bank, while offering competitive interest rates and minimal fees to better support our customers.
Home loan
Purchase or refinance a property for your own home or an investment
Construction Loan
Short-term loan that provides the funds to build a residential property
Bridging Loan
Consider Yard's bridging loan if you need to buy before going through the process of selling an existing property
SMSF Loan
Purchase or refinance a residential and commercial property through your Self-Managed Super Fund (SMSF)
Asset and equipment finance
Asset and equipment finance for smarter business growth
Refinancing solutions
Smart refinancing solutions to improve cash flow flexibility
Personal loans
Flexible personal loans tailored to your goals and budget needs
Commercial loans
Commercial loans designed to support business growth and investment
Why invest in property through an SMSF?
Many investors choose SMSF property lending to:
- Diversify their retirement portfolio
- Build long-term capital growth
- Generate rental income within super
- Gain greater control over investment strategy
- Strengthen retirement planning
HS Finance helps evaluate whether SMSF property investment aligns with your financial objectives.
Why choose HS Finance for SMSF lending?
SMSF loans are specialised — and experience matters. HS Finance provides:
- Access to lenders offering SMSF products
- Guidance on structure and process
- Clear explanation of requirements
- Coordination with advisers
- End-to-end application support
We aim to make SMSF property finance understandable and achievable.
How SMSF Loans Work
SMSF lending uses a regulated structure called a Limited Recourse Borrowing Arrangement (LRBA), allowing your fund to purchase property while protecting other super assets.
Key steps include:
- Setting up an SMSF and bare trust structure
- Meeting lender eligibility criteria
- Completing property and compliance checks
- Managing repayments through the SMSF
