SMSF lending and development finance are different disciplines from standard home loans, with different lenders, different rules and less room for error. This is where experience earns its keep.
How does an SMSF loan work?
An SMSF loan - formally a limited recourse borrowing arrangement (LRBA) - lets your self-managed super fund borrow to buy an investment property held in a separate bare trust. If the loan defaults, the lender's recourse is limited to that property, not the fund's other assets. Deposits are typically 20–30% and only specialist lenders offer them.
Most major banks have exited SMSF lending; it's now the domain of specialist and second-tier lenders, which is precisely why a broker with panel access matters. We arrange residential and commercial SMSF lending, refinance legacy SMSF loans (many funds are on old rates worth reviewing), and handle business premises purchased through super and leased back to your own business.
Important: we arrange the lending. Whether an SMSF property strategy suits your fund is advice for your licensed financial adviser, and we coordinate with them, your accountant and your fund's trustee at every step.
How does development finance work?
Development finance funds a project in staged drawdowns against construction progress, typically covering 65–80% of total development cost. Lenders assess the feasibility, pre-sales, builder and your experience, not just your income. Banks offer the sharpest rates; private funders offer speed and higher leverage.
We finance duplexes and small subdivisions, townhouse and apartment projects, land banking and residual stock, and construction loans for owner-builders.
Developers don't need a cheerleader; they need someone who can restructure a facility when pre-sales slip, find mezzanine funding for a gap, or move a deal from a bank to a private funder in days when the clock is against you. That's the brief we're built for.
Most specialist lenders lend 70–80% of the property value, subject to the fund's contribution history and liquidity.
In many cases, yes. Commercial property can be leased back to your own business at market rent. It's one of the most-used SMSF strategies for business owners.
For bank funding, usually. Several private funders require none. This single variable often decides the funding path.
Banks are cheaper but slower with stricter covenants; private funders cost more but move fast and take more risk. Many projects use both across their lifecycle.
We'll bring the lenders. Property in your super fund, or funding for your next project - guided by brokers who've done it many times before.
Call Jess to schedule a strategy session
with one of our brokers - 0474 471 489
Finance structured around your goals.