SMSF loans background watermark
Home › Services › SMSF Loans
SMSF Property Lending — Credit Assistance Only

SMSF Loans — facilitation only, on your adviser's recommendation.

We arrange Limited Recourse Borrowing Arrangement (LRBA) loans for clients whose licensed financial adviser has already recommended SMSF property investment and whose SMSF is established. Neither we nor the lender provides advice on your SMSF structure, the suitability of property investment for your fund, or whether an SMSF is appropriate for you. That advice can only come from a licensed financial adviser.

Book a Broker Call Start an Enquiry
Before you approach us

What needs to be in place before we can act.

SMSF property lending sits inside a tightly regulated framework. We are credit-licensed, not financial-advice licensed. To engage us for an LRBA loan, each of the following must already be in place — arranged by your own licensed advisers. We cannot put any of these in place for you, and we cannot proceed without them.

①

Personal financial advice from a licensed adviser

A licensed financial adviser must have recommended SMSF property investment for your circumstances and documented that recommendation (typically in a Statement of Advice). We do not provide this advice and cannot proceed without it.

②

Established, compliant SMSF

Your SMSF must already be established, with a trust deed that permits LRBAs and an appropriate trustee structure in place. Your SMSF accountant confirms this — we do not draft deeds, establish funds, or assess SMSF compliance.

③

Bare trust prepared by your solicitor

A separate bare (custodian) trust with a corporate custodian trustee must be drafted by your solicitor before the property contract is signed. We coordinate with your solicitor on lender requirements but we do not draft trust documents.

Scope of our role

What we do — and what neither we nor the lender does.

We are mortgage brokers providing credit assistance under the National Consumer Credit Protection Act. The lender's role is to assess and provide credit. Neither role includes advice on your SMSF strategy or structure — that is regulated financial advice and sits exclusively with your licensed financial adviser.

What we do

  • Identify a lender whose credit policy can accept your existing fund structure and asset
  • Lodge and manage the LRBA loan application end to end
  • Liaise with your solicitor on the bare-trust documentation the lender requires
  • Coordinate directly with your financial adviser, accountant and solicitor through to settlement
  • Arrange refinancing of an existing LRBA where your adviser has recommended it
  • Disclose all fees, commissions and any conflicts of interest to you in writing

What we do NOT do — and the lender does NOT do either

  • Advise on whether an SMSF is appropriate for you
  • Advise on whether SMSF property investment suits your circumstances
  • Establish SMSFs, draft trust deeds, or amend SMSF deeds
  • Assess sole-purpose-test, contribution-cap or related-party compliance
  • Provide tax advice or advise on asset allocation within the fund
  • Refer you to a particular financial adviser, accountant or solicitor to put a strategy in place

The lender's role is credit assessment only. Lenders that participate in SMSF lending assess whether the loan can be serviced and the security accepted — they do not approve, endorse, or sanity-check your SMSF strategy, fund structure, deed, or compliance position. Those remain the sole responsibility of your licensed adviser team.

2004
Established
50+
Lender Panel

How we work with your adviser team

Once the prerequisites above are in place, our job is to lodge and manage the loan. We work with a small group of lenders that actively participates in SMSF lending, and we keep your financial adviser, accountant and solicitor in the loop through the application so the loan settles correctly against the structure they have set up.

We do not redirect, second-guess, or substitute for the advice your team has given you. If a credit issue surfaces during the loan application that has structural or compliance implications, we raise it with your adviser team — we do not attempt to resolve it ourselves.

SMSF property investment structure illustration

Important — personal financial advice is required

This page is not a recommendation to set up an SMSF or to borrow inside one. We do not provide financial product advice. SMSFs are not appropriate for everyone, can carry significant costs and risks, and may not produce a better outcome than holding property outside super.

If you do not currently have a licensed financial adviser, please obtain personal advice from one before approaching us about an SMSF loan. We cannot recommend an adviser to you and we cannot proceed with a loan application until that advice is in place.

Has your adviser recommended SMSF property?

If your licensed financial adviser has recommended SMSF property investment and your fund is in a position to borrow, book a call and we'll take you and your adviser team through the LRBA loan process.

Book a Broker Call Start an Enquiry

Finance on the Coast provides credit assistance only. We do not provide financial product advice. Personal financial advice on SMSFs and SMSF property investment must be obtained from a licensed financial adviser.