SMSF LOANS

Building Long-Term Wealth with Self-Managed Super Fund Loans

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What is the expected purchase price?

How much of a deposit do you want to contribute?

What loan balance are you looking to refinance?

Buying a property through a self-managed superannuation fund can be a very shrewd financial decision, because you can use the power of leverage to significantly increase your retirement savings. SMSF loans work differently from traditional home loans, because regulations are stricter and there are fewer lenders in the market. But don’t worry – Azura Financial will hold your hand through the process, to make sure you get a positive outcome.

The Benefits of SMSF Property Investment

SMSFs have become increasingly popular among Australians who want more control over their retirement savings. SMSF property investment allows you to use leverage to acquire property, which is generally not an option for people who save for retirement in professionally managed funds. There are also great tax benefits of investing in commercial and residential property within an SMSF. Business owners have the added advantage of being able to purchase a business premises in their SMSF and lease it to their business.
Buying a property through a self-managed superannuation fund can be a very shrewd financial decision, because you can use the power of leverage to significantly increase your retirement savings. SMSF loans work differently from traditional home loans, because regulations are stricter and there are fewer lenders in the market. But don’t worry – Azura Financial will hold your hand through the process, to make sure you get a positive outcome.

The Benefits of SMSF Property Investment

Buying a property through a self-managed superannuation fund can be a very shrewd financial decision, because you can use the power of leverage to significantly increase your retirement savings. SMSF loans work differently from traditional home loans, because regulations are stricter and there are fewer lenders in the market. But don’t worry – Azura Financial will hold your hand through the process, to make sure you get a positive outcome.

WHO IS AZURA FINANCIAL

Our Highest Priority Is Your Financial Well-Being

At Azura Financial, our award winning team’s number one objective is to empower our clients to strategically navigate the lending landscape and achieve their goals.

Buying Property Through Your SMSF

If you want to buy a property through your SMSF, it needs to meet the ‘sole purpose test’, which means the sole purpose of the investment should be to provide retirement benefits to the SMSF’s members. It also needs to fit your SMSF’s investment strategy and risk profile. Assuming you need an SMSF loan to finance the purchase, the money must be borrowed through a bare trust under a limited-recourse borrowing arrangement. Make sure you seek professional advice if you are looking to buy property through an SMSF.

Should I Buy a Property Through an SMSF?

For SMSF property investment to be right for you, the benefits need to outweigh the costs. Two big positives are that you can potentially grow your superannuation savings faster than if you didn’t use leverage; and, potentially, lease the property to your business. Two considerations are that, compared to buying a property outside super, the process is more complicated and interest rates are higher. So it’s important you seek professional advice.

Buying Property Through Your SMSF

If you want to buy a property through your SMSF, it needs to meet the ‘sole purpose test’, which means the sole purpose of the investment should be to provide retirement benefits to the SMSF’s members. It also needs to fit your SMSF’s investment strategy and risk profile. Assuming you need an SMSF loan to finance the purchase, the money must be borrowed through a bare trust under a limited-recourse borrowing arrangement. Make sure you seek professional advice if you are looking to buy property through an SMSF.

Should I Buy a Property Through an SMSF?

For SMSF property investment to be right for you, the benefits need to outweigh the costs. Two big positives are that you can potentially grow your superannuation savings faster than if you didn’t use leverage; and, potentially, lease the property to your business. Two considerations are that, compared to buying a property outside super, the process is more complicated and interest rates are higher. So it’s important you seek professional advice.

Hear from our clients

Rated 5 Stars with 800+ Reviews

"I’m excited to share my fantastic experience working with James and Ben at Azura for the third time! Just like with our previous two purchases, the process was seamless and perfect. Their professionalism, extensive knowledge, and unwavering support made securing financing for our SMSF purchase a breeze. With their attention to detail and prompt communication, they turned a complex process into something manageable. I highly recommend James and Ben to anyone seeking reliable financial assistance. Thank you both for your outstanding help once again—more to come!"
Ken Chen

February 2025

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Lisa Struber
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James and the team and Azura Financial were exceptional to work with. They were prompt, professional and ensured we got the best possible outcome. The whole process was made a lot easier with the help from James and his team.
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Arlen B
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Great experience dealing with Oliver, Nathan and their team.
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Danika Jess
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Elia Theodore and his team are the best in the business. By far the hardest working broker you will find. He helped me to buy my property and then also refinance (after a lot of rate rises) to an incredibley cheaper rate compared to what the banks were saying. I have recommended him to my family and friends and they are all just as impressed and happy. Cannot recommend him highly enough!!
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Lachlan McGregor
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A truly exceptional experience. I had unique requirements and my initial broker couldn’t help but Nathan and Ollie were amazing. A single 5 minute call was all they needed, I had a fully prepared option the same day. Communication was so excellent that even my solicitor is now referring her clients to Azura. So grateful, thanks team!!
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Harry Gray
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We couldn’t recommend Matt Davis and the team at Azura Financial highly enough. From start to finish, his customer service and responsiveness were outstanding. We threw plenty of different scenarios and moving parts at him throughout the process, and Matt was always able to adapt, find solutions and make the process as seamless as possible. He was incredibly responsive and contactable whenever we needed him, even outside normal business hours, and we genuinely couldn’t fault his service. Thanks to Matt, we have now secured our dream home, and we couldn’t be happier. If you’re looking for a mortgage broker who genuinely goes above and beyond, we highly recommend Matt!
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Pascale Helyar OAM
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The Azura Financial team were superb. Our transaction was both simple, and complicated, at the same time. They were able to accommodate two account holders working fulltime - and travelling internationally - and so made themselves available both before and after work hours to answer calls. They were also able to anticipate where lender requirements might slow the process, and prepare us accordingly. I'm not sure if this was the fastest home loan application and approval process on their side, but it certainly felt like it to us! From my original phone call , to the loan approved, was just over 2 weeks - not for the faint-hearted but they understood the timings and drivers on our side. Couldn't recommend them enough.
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Charlotte Ekas
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Highly recommend!
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CHRIS CRAFORD
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Jordan and the team have been incredible to deal with. He's helped us refinance and buy multiple properties, building out our whole portfolio along the way, and every single time the process has been smooth and stress-free. Nothing is ever a problem or too much trouble for him and his team; they're always quick to respond, genuinely care about getting the best outcome for us, and make what can be a stressful process feel easy. Couldn't recommend Jordan and the team highly enough. If you're looking for a mortgage broker who actually goes above and beyond, this is who you want in your corner.
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haydee toltz
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I cannot recommend these guys more highly. They were incredibly patient, amazing at explaining everything and were so professional and responsive. 5 stars, definitely would recommend and use them again.
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Matt Tarran
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Team at Azure were great! Friendly, patient and explained every step of the way in detail! Buying a house is stressful, they made sure the financing side of it was not! Thanks again to Max, Peter and the rest of the team at Azure!

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