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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.
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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.
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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.

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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.
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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.
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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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Best mortgage broker - extremely helpful always and always going to the extra mile to help
  
 
  
 
 
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The team over at Azura Financial went above and beyond to make sure I was able to find a competitive mortgage. A massive thank you to Tom and especially Riwaz for doing an outstanding job, I highly recommend them for all your broker needs. Could not speak highly enough of them.
  
 
  
 
 
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We couldn't recommend Felix & the team any more & in fact, have referred him to so many family & friends already. The knowledge, support, guidance & speed at which Felix helped us was nothing short of phenomenonal - we knew we were in good hands with a trusted professional who understood our needs & also understood the industry. Felix countlessly went above & beyond - keeping in touch & keeping us updated outside of work hours, weekends & even while he was on leave! Thank you, we won't be using anyone else. Absolutely five stars, more if we could! Cara & Allan.
  
 
  
 
 
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Corey was recommended to us by a good friend. His guidance and service was outstanding.
  
 
  
 
 
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 Will Mowbray 
 
 
 
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We have now purchased two properties with Harry and the team and cannot recommend them higher. Azura constantly go above and beyond to ensure our needs are met and the deal is done quickly and perfectly every time. If there were 6 stars, I would be giving Azura Financial them all. Thanks again!
  
 
  
 
 
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 Farzana Ahmad 
 
 
 
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Chris was highly proactive and I appreciated his efforts in getting me a better rate and much higher valuation. It was great to have a broker who cared about getting the best results.
  
 
  
 
 
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 Serrah katz 
 
 
 
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Max is a superstar! He helped my husband and I refinance and was super responsive and worked really hard to get it done for us promptly.
  
 
  
 
 
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 DS Dave 
 
 
 
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Tom Hawley and his team are super efficient and get it done with minimum fuss and with only the paperwork and leg work on your part that is absolutely required.  I’ve used them for my finance needs for many years now. Number 1
  
 
  
 
 
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Nick is a great broker who is clear and concise in his communication and recommendations. I would recommend him to anyone looking to get a loan or refinance.

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