Self Managed super fund (SMSF) finance
Ask any accountant - buying property through your SMSF can be a very tax-effective strategy, especially with commercial property for your business to work out of. With residential property it could provide you with a nest egg you can eventually live in.
build your future with smsf property investment.
Use your super to invest tax-effectively — from commercial spaces for your business to residential properties that could become your future home.
Often people don't realise you can borrow up to 80% of a property value via your SMSF, both residential or commercial property).
While residential SMSF properties can’t be lived in until retirement (and the loan is repaid), your business can occupy a commercial property owned by your SMSF — turning rent you’d normally pay to a landlord into an investment for your future.
ways we can help with smsf finance
residential smsf purchases
Buying residential property through your SMSF can open doors that might otherwise be out of reach — letting you tap into property markets you couldn’t access personally, or secure a high-yielding beachside investment that you could one day retire to.
It’s a powerful way to diversify your super, blending property with shares and other assets to build a stronger, more balanced portfolio. With the right structure and guidance, your super fund can work harder today to give you and your family a more comfortable tomorrow.
commercial smsf purchases - owner-occ or Investment
At Little Giant Finance, we specialise in helping clients purchase commercial property through their SMSF, whether it’s to run their own business from or to lease out as a steady, long-term investment.
We know the SMSF lending landscape inside out, with strong relationships across the most competitive commercial property lenders in Australia. We’ll structure your Limited Recourse Borrowing Arrangement (LRBA) correctly from the outset, ensuring your finance is approved swiftly and stress-free.
While SMSF borrowing can seem complex, it’s actually straightforward when you know the process — the loan is serviced by rental income and super contributions. In some cases, future contributions can also be factored in, and we know how to present that to lenders for the best outcome. With us guiding you, buying commercial property through your SMSF becomes a simple, powerful, and tax-effective strategy for long-term wealth.
smsf loan refinance
Many of us are tied up with expensive SMSF loans from big banks who no longer offer it. We will provide a free health check on your SMSF loan rate and help you to refinance quickly and easily.
Most SMSF lenders have special offers for refinancing an existing SMSF structure, with lower rates and fee promotions to help them win your business.
Just because your loan is isolated in your SMSF doesn't mean the interest isn't eroding your future financial freedom. It's always a good time to have a review.
access to the right smsf lenders & advice.
SMSF lending is a specialised offering, with the big banks typically avoiding it, only lending on a case-by-case basis for existing clients and much larger loans.
Typically a broker is essential in this space because the SMSF lenders vary significantly around up front fees and interest rates, and the players who do it aren't well known.
There are many pitfalls and important legal considerations when it comes to buying through your SMSF. We have access to the right experts to guide you and prevent any errors.
Any decision to purchase through super should be thoroughly reviewed, especially in terms of the overall feasibility given the cost to run an SMSF structure with all the legal and accounting fees necessary. Note that the interest rates with SMSF lending are also usually materially higher as compared to borrowing outside super.
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