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SMSF loans, structured properly from day one.

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An SMSF loan lets your self-managed super fund borrow to buy a single property through a limited recourse borrowing arrangement (LRBA). The property sits in a separate holding trust until the loan is repaid, and the lender can only claim that asset if things go wrong. We find the lender and get the structure right.

SMSF loans, structured properly from day one.

Elephant Advisory Construction Loans services

Who it’s for

SMSF trustees, often business owners, who want to use their super to buy an investment or commercial property and want the finance and compliance handled by one team.

Who it’s for

SMSF trustees, often business owners, who want to use their super to buy an investment or commercial property and want the finance and compliance handled by one team.

With over 60+ lenders on our panel, some you've never heard of.

As a mortgage broker, we are governed by our 'Best Interest Duty', which ensures that we are looking out for you, your needs and goals versus a banks bottom line.

TOP LENDERS WE WORK WITH

What's included

What’s included

Lender comparison

Fewer lenders offer SMSF loans, and their policies differ widely. We compare the options on our panel and explain the trade-offs.

Structure checks

We work with your accountant to confirm the holding trust, the single acquirable asset and the fund's trust deed are in place before you sign anything.

Residential or commercial

We arrange SMSF lending for residential investment property and for commercial property, including premises your business may lease from the fund at market rent.

Serviceability and cash flow

We model how contributions, rent and fund liquidity cover repayments, so the fund is not left short.

Application and settlement

We prepare the application, manage the lender and stay with you through to settlement.

SMSF accounting in-house

Our accounting team already handles SMSF administration, so finance and compliance talk to each other.

What's included

What’s included

Lender comparison

Fewer lenders offer SMSF loans, and their policies differ widely. We compare the options on our panel and explain the trade-offs.

Structure checks

We work with your accountant to confirm the holding trust, the single acquirable asset and the fund's trust deed are in place before you sign anything.

Residential or commercial

We arrange SMSF lending for residential investment property and for commercial property, including premises your business may lease from the fund at market rent.

Serviceability and cash flow

We model how contributions, rent and fund liquidity cover repayments, so the fund is not left short.

Application and settlement

We prepare the application, manage the lender and stay with you through to settlement.

SMSF accounting in-house

Our accounting team already handles SMSF administration, so finance and compliance talk to each other.

Our crew, is yours too.

Shehan Wijayasinghe

Managing Director

Oz Karabadjak

Director of Accounting

Mia Burgess

Director of Digital

Marissa Moro

Director of Bookkeeping

Sam Draper

Director of Accounting

Gavin Hepponstall

Director of Finance

Georgia Upperton

Operations Manager

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FAQ

Let's clear a few things up.

No jargon, no runaround - just honest answers.

SMSF administration

Investment property loans

Borrowing power

Can my SMSF borrow to buy property?

Yes, through a limited recourse borrowing arrangement. The fund can borrow to buy a single asset, which is held in a separate holding trust until the loan is repaid.

Can I live in or rent a property my SMSF owns?

Not a residential one. Members and related parties can't live in or rent a residential property owned by the fund. Business premises are different: your business can lease commercial property from the fund at market rent.

Can SMSF borrowing pay for renovations?

Borrowed money can't be used to improve the property. Repairs and maintenance are generally allowed, and other fund money can sometimes pay for improvements, as long as they don't turn the property into a different asset.

How much can an SMSF borrow?

It depends on the lender, the property and the fund's balance and cash flow. SMSF loans usually need a larger deposit than standard home loans. We'll show you real options once we understand your fund.

Do I need advice before buying property in my SMSF?

Yes. Whether property suits your fund is a financial advice question. We arrange the finance and work alongside your accountant and financial adviser.