SMSF Mortgage Loans in Melbourne: Invest in Property Through Your Super

Usually, your super fund invests your money for you. But with a Self-Managed Super Fund (SMSF), you can take control and decide where your money goes — even into property.

If you’re in Melbourne and want to grow your super by buying an investment property, an SMSF mortgage loan could be a great option. These loans let your SMSF borrow money to buy a property under something called a Limited Recourse Borrowing Arrangement (LRBA) — a setup that keeps your other super assets safe if something goes wrong.

Self Managed Super Fund Lending

Why choose an SMSF loan?

An SMSF loan can speed up the pace of stacking your retirement savings sooner. In Melbourne, many investors use SMSF loans to purchase residential and commercial properties, helping them build wealth for retirement. Let’s say you have $100,000 in shares through superannuation. If your shares grow by 10 per cent over 5 years, you will have earned $110,000 (depending on fees such as stamp duty, etc.). Let’s say you leverage your $100,000 to take out an SMSF loan and purchase a $1 million property. If this property grows by 10 per cent over the same period, you will have a $100,000 profit (not including fees and interest). You can see why this strategy may be worthwhile. While this is not financial advice, it may help you understand the value of an SMSF loan, especially if you are seeking help from an SMSF loan broker to grow your wealth ahead of your retirement.

How Our Richmond & Melbourne Mortgage Brokers Help with SMSF Property Loans

Getting an SMSF loan isn’t like applying for a regular home loan. Not all lenders offer them, and there are stricter rules to follow. That’s where we come in. Based in Richmond and serves clients across Melbourne, we help you structure and secure SMSF loans with confidence.

What We Do for You

  • Find SMSF-Friendly Lenders

    We shortlist lenders who allow SMSF borrowing for residential or commercial property.

  • Set Up the Right Structure

    From bare trust requirements to documentation, we help you structure the loan correctly from the start.

  • Work With Your Accountant or Adviser

    We coordinate with your professional team to keep everything compliant and efficient.

  • Handle the Paperwork

    We manage applications, evidence, and lender requests to save you time.

  • Ensure SMSF Compliance

    We guide you through lender policy and SMSF rules to reduce risk and delays.

Why Choose Lend & Co.?

SMSF loans can be tricky — so it helps to have experts on your side. We offer:

  • Experience with SMSF mortgage loans

  • Access to lenders who understand super fund loans

  • Friendly, professional help

  • Support from start to finish

  • Clear updates and advice throughout the process

Areas We Serve

Based in Richmond, Victoria — helping clients throughout Melbourne with SMSF loans for residential and commercial properties.

Talk to an SMSF Mortgage Broker in Melbourne today.
Your consultation is free and comes with no obligation —
ask anything, we’re here to help.

Want to know more? Book your first call today.

Ready to take the next step in your property journey?

Connect with an expert home loan specialist from Lend & Co today