Borrowing through your superannuation is very different from borrowing personally. SMSF finance comes with strict rules, specialised loan structures and lender requirements that must be followed carefully.
For many people, that complexity alone is enough to put the idea in the “too hard” basket.
That’s where we step in.
Nexgen Lending helps you understand how SMSF property finance works, whether it suits your situation, and how to structure it properly if it does. We explain everything in plain English and guide you through the process step by step.
And your first appointment is completely free. No pressure. No commitments. No fees from you, ever.
What SMSF Finance Is (In Simple Terms)
SMSF finance allows your self-managed super fund to borrow money to purchase property through a special structure called a Limited Recourse Borrowing Arrangement (LRBA).
This means:
- The property is owned by your SMSF
- The loan sits inside the super fund, not your personal name
- The lender’s security is limited to the property itself
- Other super assets are protected
Common Use of SMSF
SMSF finance is most commonly used to purchase:
- Commercial property (often leased back to your business)
- Residential investment property
- Industrial or specialised commercial assets
We help you understand what is allowed, what isn’t, and how the structure actually works in practice.
Who SMSF Finance Is Suitable For
SMSF finance can be a strong strategy for the right people, including:
- Business owners wanting their SMSF to own their premises
- Investors focused on long-term retirement wealth
- Individuals with sufficient super balances and steady contributions
- Those seeking greater control over their super investment strategy
It is not about rushing in. It is about understanding whether it genuinely suits your goals and circumstances.
Need to have a chat? We are here to help!
Give us a call and book an obligation free consultation.
SMSF lending comes with important considerations. We help you clearly understand:
- Deposit requirements (often higher than residential loans)
- Loan terms and interest rates
- Property types that are allowed
- Restrictions on renovations and improvements
- Compliance rules and trustee responsibilities
- Cash-flow requirements inside the fund
- Risks, costs and long-term implications
If something isn’t suitable, we will tell you. Clarity always comes first.
SMSF finance is highly specialised. Lenders assess these loans very differently, and structuring mistakes can be costly.
We:
- Explain SMSF borrowing rules clearly and simply
- Help you assess whether SMSF finance is appropriate
- Compare specialist SMSF lenders
- Structure loans correctly under LRBA rules
- Work alongside your accountant and financial adviser
- Assist with lender documentation and compliance checks
- Guide you through approval, settlement and beyond
We don’t provide personal financial advice — but we make sure you understand the lending side thoroughly.
FREQUENTLY ASKED QUESTIONS
What does a finance broker do?
Finance brokers are qualified finance industry professionals. We work with you to determine your borrowing needs and objectives, and to help you determine how much you can borrow. Brokers help to ensure that you don’t take out a loan that is not right for you.
Like your solicitor, accountant or financial planner, we are specialists in what we do and will provide you with a suitable finance solution to help you achieve your goals.
With a finance broker, you can expect a more personalised level of service than you would usually receive directly from a lender. Additionally, our brokers have access to finance products from a wide variety of lenders. This means your broker can compare lending products from different lenders to find a loan that’s just right for you.
Do you Charge fees for loans?
Some finance brokers charge a fee for their services and some don’t. When you take out a loan via a finance broker, it does not cost you more in loan repayments. Brokers get paid a commission by the lender for bringing new business to them, but this does not impact your interest rate.
Some brokers charge a fee for their service. They must disclose this fee upfront to you so that you know what it will cost if you engage their services.
Don´t you just recommend the lender who pays you the most commission?
Absolutely not. First of all, there is very little difference between the commissions paid by the various lenders. There is also legislation in our industry called the National Consumer Credit Protection Act (or NCCP), that is designed to protect consumers and ensure ethical and professional standards in the finance industry. We tell you upfront what commission we will be getting from the lender. Our job, our only job, is to find a competitive loan for your needs and objectives.
Isn´t it more expensive to use a broker?
Some brokers charge a fee for their service which they must disclose to you up-front before you engage their services. However, the costs of the loan are the same. These costs depend on the loan and lender you choose. If you want to save on loan costs, just tell us. We can locate loan products from the lenders with the lowest fees and charges.
How much can i borrow?
There are specific factors that need to be considered when determining how much a customer can borrow, such as income, employment position, savings, current living expenses and any liabilities. Our borrowing calculator can give you a rough idea of how much you may be able to borrow. For a more accurate assessment, please give us a call and we can go into your options and discuss your circumstances in more detail.
Should i go fixed or variable?
A finance broker will recommend a product based on what you say is most important to you – for example, “pay my loan off quickly” or “guaranteed repayments” or “low cost”. We do however, live by the following; “if you want flexibility, take a variable rate loan. If you want budget certainty, take a fixed rate loan. If you want both, then do a split loan.”
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SMSF Finance Example
A Sunshine Coast business owner approached us wanting to stop paying rent and instead have their super fund own their premises. They were unsure whether SMSF borrowing was even possible.
After reviewing their situation, we found:
- Their super balance supported an SMSF structure
- Their business could lease the property at market rates
- A specialist lender suited their property type
- The loan structure complied fully with SMSF rules
- Long-term retirement outcomes improved significantly
They moved from uncertainty to clarity — and made an informed decision with confidence.
SMSF finance isn’t about being aggressive. It’s about being structured.
Ready To ExploreSMSFFINANCE?
If you’re considering property inside super and want clear, honest guidance, we’re here to help you understand your options properly.
Your first SMSF finance appointment is free and completely obligation-free.
Book Your Free SMSF Finance Chat or Call Us Anytime