Structure & lender fit
Not every lender will fund SMSF purchases, and the few that do all have different rules. We map your fund profile against current SMSF lending appetite.
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Buy property inside your super fund.
SMSF lending isn't off-the-shelf. Structure, trust deeds, bare trusts, liquidity - get it wrong and it's expensive to unwind. We work with the small number of lenders who do this well. Level Up Loans provides credit assistance only. We do not provide SMSF investment strategy, financial product advice, tax advice or legal advice. Before purchasing property through an SMSF, speak with your accountant, licensed financial adviser and solicitor.
Who this is built for.
- Existing SMSF trustees ready to invest in property
- Fund balances strong enough to meet lender liquidity rules
- Investors wanting tax-effective long-term holds
- Business owners considering buying commercial premises in super
- Trustees with existing accountant and financial planner support
- People who want the structure right the first time
What we do
How we approach this work.
Limited recourse borrowing
We help coordinate with your accountant on the bare trust and LRBA setup so finance, structure and ATO compliance line up.
Liquidity & serviceability
Lenders stress-test fund cashflow hard. We model contributions, rent and buffers so the fund stays comfortable, not stretched.
Commercial or residential
Whether it's your own business premises or a residential investment, we run the numbers both ways before recommending a path.
FAQs
Common questions.
Can I use my SMSF to buy a property I'll live in?+
No. SMSF property must be purely for investment, can't be lived in or rented by a member or related party (residential), and must meet the sole purpose test. Level Up Loans provides credit assistance only. We do not provide SMSF investment strategy, financial product advice, tax advice or legal advice. Before purchasing property through an SMSF, speak with your accountant, licensed financial adviser and solicitor.
How much deposit does an SMSF loan need?+
Typically 20–30% of the purchase price plus costs, depending on the lender and whether it's residential or commercial. Lenders also require a liquidity buffer in the fund after settlement.
Do I need a financial planner?+
Yes. SMSF property is a significant decision. You should obtain advice from a licensed financial adviser, accountant and solicitor before proceeding. We arrange SMSF lending only. Level Up Loans provides credit assistance only. We do not provide SMSF investment strategy, financial product advice, tax advice or legal advice.
Next step
Let's chat about your next move.
No pressure, no jargon. We'll listen first, then map out the smartest way forward.