Low Doc SMSF Loans

Yes, SMSFs can borrow up to 80% of a property’s value under Limited Recourse Borrowing Arrangements, which is completely legal and regulated. It’s a legitimate wealth-building strategy that can significantly boost your retirement savings compared to traditional super investments. The borrowing rules are specific but well-established, and we ensure full compliance with superannuation law.

Your SMSF can buy residential investment properties, commercial properties, or even your business premises under the right structure.

The key requirement is that properties must be genuine investments that comply with superannuation law - you can’t live in them yourself. Commercial properties leased to your business can work but require careful structuring to ensure compliance.

Usually 20-30% deposit depending on the property type, location, and your super fund’s existing financial position. Funds with larger balances and quality properties sometimes require lower deposits. The deposit comes from your existing super balance, so you need sufficient funds already in the SMSF or the ability to make additional contributions.

Yes, but it must be structured correctly with proper lease agreements at market rates and full compliance with superannuation law. This can provide very tax-effective property ownership while building substantial super wealth.

However, the compliance requirements are strict, so professional advice is essential to get the structure right from the beginning.

Properties must be genuine investments, can’t be lived in by fund members or related parties, and must follow strict superannuation and tax law.

All transactions must be at arm’s length with proper documentation, and the fund must be able to demonstrate the investment strategy makes sense. We work with specialist SMSF professionals to ensure everything is structured and documented properly.

With proper SMSF documentation and property details prepared, approvals often happen within days rather than weeks. The key is having your fund structure and compliance documentation sorted upfront before you start looking for properties.

SMSF lending can actually be faster than personal lending because the fund structure is usually simpler.

All rental income flows back into the super fund where it’s taxed at just 15% in accumulation phase or completely tax-free in pension phase. This is one of the most tax-effective investment structures available in Australia. The rental income can help service the loan payments while building additional super wealth through tax-effective investment returns.

Yes, you can roll your existing super from retail or industry funds into an SMSF and use those funds plus borrowings to purchase property. Many clients are surprised by how much property they can actually afford when they combine existing super with borrowing capacity.

The key is ensuring you have sufficient funds to meet deposit requirements and ongoing costs.