SMSF Lending

Lending for SMSFs, With Precision

A Self-Managed Super Fund (SMSF) loan allows you to use the money in your superannuation to invest in property. While the opportunity can be powerful, SMSF lending is highly regulated by the Australian Taxation Office and comes with far stricter requirements than standard home loans. That’s why it’s essential to work with a broker who understands the complexities and has the right experience.

At Oar Finance, we specialise in navigating the SMSF lending landscape. With decades of lending expertise, we’ll guide you through the process, helping you structure your loan correctly and ensuring you understand both the opportunities and responsibilities involved.

What is a Self-Managed Super Fund?

An SMSF is a private superannuation fund that you manage yourself. It provides greater control and flexibility over your investments, allowing members to hold a wide range of assets such as property, shares, bonds, cash, and term deposits. With that flexibility comes added responsibility — which is why seeking professional advice from a trusted financial advisor is critical.

An SMSF loan is a Limited Recourse Borrowing Arrangement (LRBA) that allows your SMSF to borrow money to purchase an investment property. Under this arrangement, the property is held in a custody trust until the loan is fully repaid, at which point ownership transfers to the SMSF.

One key feature is that lenders can only claim against the property held in the custody trust, not the other assets in the SMSF. While this provides some protection, SMSF loans involve higher risk, stricter lending policies, and more documentation than standard housing loans. The right advice and planning are essential before committing to a property purchase.

Current SMSF Loan Options Include:

Commercial SMSF purchase

Interest-only loans up to 5 years

Residential SMSF purchase

Principal & Interest terms up to 30 years

We make your first home journey simple — guiding you through deposits, grants, and loan options so you can buy with clarity and confidence.

Why Choose Oar Finance?

25+ Years
Specialist Knowledge

SMSF loans are complex. We bring decades of lending expertise and a strong track record in helping clients secure the right structures.

50+ Bank
Wide Lender Access

Not all banks offer SMSF loans. We connect you with specialist lenders and compare more than just the interest rate, factoring in fees and structures that best suit your fund.

1-on-1 Personalised
Tailored Guidance

Every SMSF is unique. We take the time to understand your circumstances and work alongside your financial advisor to ensure the loan complements your overall strategy.

100% Support
Risk-Aware Approach

We’ll help you understand the risks, responsibilities, and documentation required, so you can make informed decisions with confidence.

20+ Years Growth
End-to-End Support

From initial planning through to settlement, we manage the process and keep it clear and straightforward.

At Oar Finance, we don’t just arrange SMSF loans — we help you unlock the potential of your super while protecting your long-term financial future.