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.
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 a Mortgage Broker in Melbourne Can Help
Getting an SMSF loan isn’t like getting a regular home loan. Not all banks offer them, and there are more rules to follow.
That’s where we come in.
As an experienced mortgage broker in Melbourne, Lend & Co. helps you:
Find lenders that allow SMSF loans
Set up the loan structure properly
Work with your accountant or adviser
Handle all the paperwork
Make sure everything follows the rules
We’ll guide you every step of the way and make the process less stressful.
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
