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Why people choose Atlas Broker for SMSF lending
SMSF property loans require accurate structure, strict compliance and lenders who understand how SMSFs operate. Our role is to make the process clear, structured and stress-free.
- Guidance on SMSF lending rules & eligibility
- Access to lenders experienced in SMSF products
- Support with loan structure, compliance and documentation
- Clear explanations of tax implications, borrowing capacity and strategy
- Coordination with your financial planner, accountant or SMSF administrator
- End-to-end support right through to settlement
SMSF lending doesn’t need to feel complex, we simplify the entire experience.
Common challenges with SMSF loans
(and how we help you navigate them)
“I’m not sure if my SMSF is eligible.”
We walk through the basics, requirements, contributions, liquidity and fund rules — so you know exactly where you stand.
“I’m confused about the structure.”
Bare trusts, trustees and compliance obligations can be confusing. We help you set up the right structure and explain each step clearly.
“Not all lenders do SMSF loans.”
Correct, SMSF lending is specialised. We match you with lenders who understand SMSFs and offer competitive investment loan options.
“The paperwork feels overwhelming.”
We handle the documentation, liaise with lenders and ensure your application meets compliance requirements.
“I don’t want to risk non-compliance.”
We ensure every step of the lending process aligns with SMSF rules and coordinate with your accountant or adviser as needed.
How it works (3 simple steps)
A clear, compliant path to SMSF property finance.
- Assess your SMSF & borrowing capacity
We review your fund’s structure, contributions, financial position and SMSF lending eligibility. - Compare SMSF lenders & choose your strategy
We outline loan options, explain requirements, fees and features, and help you choose the right lender for your fund’s goals. - Apply, structure & settle
We manage the application, paperwork, lender communication and settlement process ensuring everything stays compliant and coordinated.
Your SMSF gets a well-structured, long-term investment loan, without the stress.
Key things to know about SMSF lending
- SMSFs must meet strict rules. The ATO has clear guidelines on borrowing, trustees and investment strategy.
- You need a bare trust (holding trust). This structure holds the property until the loan is repaid.
- Contributions and liquidity matter. Lenders assess your SMSF income, contributions and cash buffer.
- Loan-to-value ratios are different. SMSF loans often require higher deposits than standard property loans.
- Repayments come from the SMSF. Not personal income.
It’s important to work with professionals. Brokers, accountants and financial advisers should work together to ensure compliance.
Repayment Calculator
Use our simple calculator below to estimate your repayments. It’s quick, accurate, and completely obligation-free.
Just enter your desired loan amount, interest rate and term to get started. For a tailored quote, feel free to contact our brokers directly.
SMSF Lending FAQs
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