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SMSF PROPERTY LOANS

Potential Benefits of SMSF Property Loans with Trelos Finance

Unlock the power of your super. Invest smarter, retire stronger.

Thinking of using your Self-Managed Super Fund (SMSF) to invest in property? Trelos Finance helps you maximise your super with smart strategies and access to the right lenders. Whether you’re just getting started or expanding your portfolio, we guide you from setup to settlement.

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Unlock the power of your super. Invest smarter, retire stronger.

  • Learn the SMSF loan lingo and lending criteria
  • Consider the benefits of using SMSF to buy property
  • Get answers to all your SMSF home loan questions
  • Create future wealth with SMSF home loan products
  • Explore tips for obtaining a commercial SMSF loan

What You’ll Learn From Our
Free SMSF Property Loan Guide

Get Ready

How to become SMSF loan ready

Strategy for Future

How to future-proof your retirement strategy

SMSF Applicants

What lenders look for in SMSF applicants

Risk & Rewards

The risks (and rewards) of investing with your super

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Supercharge Your Super: Build Wealth Through SMSF Property

Are you looking for more control over your superannuation?

Want to invest in residential or commercial property with long-term value?

Trelos Finance demystifies SMSF property loans and guides you step-by-step so you can invest with confidence.

How It Works: 3 Simple Steps

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Step 1
Navigate SMSF Rules with Expert Help

 We’ll walk you through setting up the right structure, staying compliant, and making sure your SMSF is ready for borrowing.

Step 2
Define Your SMSF Property Strategy

We work closely with your solicitor or conveyancer to ensure a smooth and stress-free settlement process.

Step 3
Secure the Right SMSF Property Loan

We’ll compare lenders, negotiate terms, and manage the paperwork—all while ensuring the loan is SMSF-compliant.

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What are the benefits of Buying Property Through an SMSF?

  • Lower tax on rental income and capital gains
    (15% income tax, reduced or 0% CGT in pension phase)
  • Leverage super to invest in high-value property
    (Borrow in your SMSF to purchase Real Estate)
  • Full control over your investment strategy
    (You choose the property, terms, and structure)
  • Build long-term wealth with a tangible asset
    (Earn rental income and capital growth for retirement)
  • Diversify beyond shares and managed funds
    (Reduce volatility and exposure to market swings)
  • Buy your business premises with your super
    (Then lease it back to your company and pay rent to your own fund)

Apply Online Anytime, Anywhere

Fast approvals

Transparent expert advice

SMSF-compliant lenders

This is not to be considered as advice and to always seek advice from a qualified professional such as an accountant or financial advisor.

Frequently Asked Questions (FAQs)

What is an SMSF?

A Self-Managed Super Fund is a private super fund you manage yourself. It allows you to choose how your retirement savings are invested.

It offers tax advantages, rental income, and capital growth while allowing you to diversify your retirement strategy.

 The property must be for investment only. You can’t live in it or rent it to relatives. It must meet the “sole purpose test”.

 You’ll set up a special trust structure, then borrow under an LRBA (limited recourse borrowing arrangement). We help manage the process end-to-end.

 Yes. Your fund can borrow under strict rules to purchase a single property.

Only if it’s commercial property and purchased at full market value. Residential purchases from related parties are not allowed.

Use an independent property valuation for reporting and compliance.

Rental income is taxed at 15%, and capital gains may be reduced or eliminated in pension phase.

 All expenses must be paid directly from the SMSF. You cannot pay personally and get reimbursed.

 You must lodge annual returns, conduct audits, and meet superannuation law requirements.

 A loan used by your SMSF to buy property under an LRBA. The lender’s recourse is limited to the property itself.