top of page

Super fund  borrowing

Residential and Commercial Property investment loans that are designed to work in compliance with your self-managed superfund.

" According to the Australian Taxation Office (ATO), self-managed superannuation funds (SMSFs) represent a very significant chunk of the superannuation market in terms of numbers and asset size. Approximately 1 million Australians manage their own super "


Borrowing through superannuation has also become increasingly popular over the past few years. The most recent ATO statistics show that the dollar value of SMSF lending has increased from approximately $1.4 billion in June 2011 to more than $21.8 billion in recent times

Anchor 1
Anchor 2
Anchor 2

How it works


  1. Your SMSF selects a Residential or Commercial investment property to purchase, then sets up a property trust in which to purchase the property on its behalf

  2. Your SMSF applies for the SMSF Investment Property Loan.

  3. The property trustee pays the deposit and exchanges contracts.

  4. If your loan is approved, at settlement the property trustee mortgages the property to Westpac and Westpac advances the loan.

  5. Your SMSF trustee pays all legal costs and stamp duty.

  6. Your SMSF collects rent, pays the usual outgoings on the property and makes the loan repayments. It manages the property in the same way as any other real estate investment.

  7. The property is held in trust for the SMSF by the property trustee and once the loan is repaid, the legal title may be transferred from the property trustee to the SMSF, or the property may be sold.

SMSF Borrowing Structure - Grey.jpg

The borrowing structure

    bottom of page