Use your super to invest — with clarity and care.
Clear guidance, considered structures, and SMSF lending that respects the rules.
Buying property through a self-managed super fund is very different from buying personally.
SMSF loans are governed by strict rules, specific structures, and limited lender options — which means understanding the process matters just as much as the property itself.
We help trustees understand their SMSF loan options and navigate the lending process with confidence, particularly for first-time SMSF property buyers.
Why trustees choose Extra Mile
- Clear explanations of SMSF lending rules and constraints
- Experience navigating lender requirements and structures
- Support for first-time and established SMSF trustees
- Willingness to work alongside your accountant or adviser
- Guidance from early assessment through to settlement
Common use cases for SMSF loans
SMSF loans are commonly used for:
- Purchasing investment property within superannuation
- Diversifying SMSF assets beyond shares and cash
- Long-term wealth and retirement planning
- Acquiring eligible commercial property for business use (where permitted)
Our role is to help you understand what’s possible, what’s restricted, and what needs careful planning before proceeding.
Understanding SMSF loan structures
SMSF loans operate under specific legal and lending frameworks.
They are typically structured with strict limitations around ownership, repayments, and improvements to the property. Not all properties or fund structures are eligible, and fewer lenders offer SMSF lending compared to standard property loans.
We explain these constraints clearly, so you can assess suitability early and avoid costly missteps.
Big decisions. Real guidance. Real outcomes.
What clients say after going through the process with Extra Mile.
How SMSF loans work
Step 1 - Review your SMSF readiness
We discuss your fund structure, trustee setup, and overall readiness to determine whether an SMSF loan is appropriate.
Step 2 - Assess suitable lenders and options
We focus on lenders that offer SMSF-compliant lending and review terms, requirements and limitations relevant to your scenario.
Step 3 - Guide the process through to settlement
We support documentation, coordinate with relevant parties, and guide you through approval and settlement.
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All loans are subject to lender approval and eligibility criteria. Fees and charges may apply.
What you’ll typically need
SMSF loan applications are document-heavy. Most lenders will require:
- SMSF trust deed
- Identification for trustees
- Financial statements and fund details
- Property information
- Details of existing SMSF assets and liabilities
Frequently asked questions
Are SMSF loans more restrictive than standard property loans?
Yes. SMSF loans are governed by specific rules and lender requirements that don’t apply to personal property lending.
Can first-time SMSF trustees use an SMSF loan?
It can be possible, provided the fund is correctly set up and suitable for property investment. Preparation and advice are key.
Can my business lease a property owned by my SMSF?
In some cases, commercial property may be leased back to a related business, subject to strict conditions.
Are SMSF loans more expensive than standard loans?
They can be, due to higher complexity and limited lender options. We’ll help you understand the cost trade-offs upfront.
Is SMSF property right for everyone?
Not necessarily. SMSF property investment suits some strategies and not others. Our role is to help you assess suitability with clarity.
Contact us
Our Adelaide office
We’re based in Adelaide and support clients across South Australia and Australia-wide.