SMSF Loans
Secure Property Investment Through Your Superannuation
Looking to grow your wealth through property using your Self-Managed Super Fund (SMSF)? At TSK Accountants, we help you navigate the complex landscape of SMSF borrowing so you can make confident, compliant, and strategic investment decisions.
Our SMSF loan specialists in Melbourne understand the intersection between superannuation law, property finance, and tax strategy — giving you a complete advisory solution from start to finish.
What Is an SMSF Loan?
An SMSF loan allows a Self-Managed Super Fund to borrow money to purchase an investment property under a Limited Recourse Borrowing Arrangement (LRBA). The property is held in a separate trust until the loan is repaid, and the lender’s recourse is limited to the property itself — safeguarding the rest of the fund’s assets.
Our SMSF Loan Services Include:
SMSF Property Purchase Strategy
We help you assess if SMSF property investment is the right strategy for your fund — considering your risk profile, diversification, and retirement goals.
Loan Structuring & Tax Advice
TSK Accountants goes beyond loan comparison — we advise on the optimal loan structure for tax efficiency, contribution strategies, and long-term compliance.
Access to SMSF-Compliant Lenders
Not all lenders offer SMSF loans. We connect you with major banks and specialist lenders who meet Australian SMSF lending requirements.
Compliance & LRBA Setup
We work with your legal and fund advisors to ensure the correct trust structures, trustee rules, and borrowing arrangements are in place.
End-to-End Loan Management
From pre-approval to settlement, our team handles documentation, lender liaison, and keeps your investment plan on track.
Benefits of SMSF Loans
Invest in residential or commercial property
Tax-effective rental income and capital growth
Leverage your super without affecting your personal assets
Diversify your retirement portfolio
Control your fund’s investment decisions
Key Considerations Before Borrowing
Your SMSF must have a compliant investment strategy
The property must be for investment purposes (not lived in by you or related parties)
Setup costs and legal structures must follow ATO and ASIC rules
Cash flow and liquidity must be maintained within the fund
All repayments must come from the SMSF
Why Choose TSK Accountants?
✔ In-house accountants & finance experts
✔ Deep experience with SMSF structures
✔ Trusted lender access & pre-qualified solutions
✔ Transparent, tailored advice
✔ Melbourne-based with Australia-wide support
Start With a SMSF Lending Consultation
Whether you’re just exploring the idea or ready to invest, we’re here to help.
📞 Call us on (03) 8721 9989 or 📩 email info@tskaccountants.com to book your SMSF loan strategy session today.