Clarity first
We simplify the rules, lender requirements, and the steps — so you can act with certainty.
Structured & compliant
SMSF lending is specialised. We focus on getting the structure right from the outset
Team coordination
We work with your accountant/adviser/solicitor to reduce delays and avoid mistakes.
SMSF Lending
Use Your Super to Invest in Property — With the Right Lending Structure
SMSF lending allows Australians to use their superannuation to invest in property through a compliant and structured finance solution. When set up correctly, it can be a powerful way to build long-term wealth inside super while maintaining control over your investment strategy.
At Citrine Lending Solutions, we specialise in helping Australians understand how SMSF lending works, whether it’s right for their situation, and how to structure it correctly from the outset.
Use your super to invest in property — with the right guidance from the start.
Start with a simple conversation to explore your options and understand what’s possible for your situation.
General information only — we’ll confirm suitability and next steps during a call.
What Is SMSF Lending?
SMSF lending is a specialised form of property finance that enables a Self-Managed Super Fund to borrow money to purchase property. The loan is structured so that the investment and any associated risks are contained within the SMSF.
This type of lending is commonly used to acquire:
Residential investment property
Commercial property
Business premises
(leased back to a related business, where permitted)
Because SMSF lending operates under specific superannuation and lending rules, it requires specialist knowledge and careful structuring.
Why Australians Use SMSF Lending
Many Australians explore SMSF lending as a way to take greater control of their super and align it with long-term property investment goals.
Key Benefits of SMSF Lending
Use your super to invest in property
SMSF lending allows you to leverage your existing super balance to acquire property that may otherwise be out of reach using cash alone.
Build long-term wealth inside super
Rental income and potential capital growth remain within the superannuation environment, supporting long-term compounding over time.
Greater control and transparency
Rather than relying on traditional super fund options, SMSF lending gives you direct ownership of a property investment and visibility over how your super is working.
Strategic retirement planning
For many investors, property provides stability and long-term growth that complements broader retirement planning objectives.
What Needs to Be in Place
SMSF lending is not a one-size-fits-all solution. Certain foundations must be in place before proceeding.
Typically, this includes:
A compliant Self-Managed Super Fund structure
Sufficient super balance and ongoing contributions
The right property type and investment strategy
Professional advice to ensure compliance and suitability
Because mistakes can be costly and difficult to unwind, getting the structure right from the beginning is critical.
How the process works
While every situation is different, SMSF lending generally follows a clear, guided process:
Initial assessment
We help you understand whether SMSF lending is suitable based on your goals, super balance, and overall strategy.
Property purchase and settlement
Once approved, the SMSF proceeds with the property acquisition under the correct legal and lending framework.
Structuring and lender strategy
The loan is structured to meet both lender requirements and superannuation rules, with careful consideration of property type and long-term outcomes.
Ongoing support
SMSF lending is a long-term strategy. Ongoing guidance helps ensure the structure continues to support your goals over time.
Why Specialist Advice Matters
SMSF lending is highly specialised. Lender policies vary significantly, and superannuation rules must be followed precisely.
Working with an SMSF lending specialist helps:
Reduce compliance and structuring risks
Avoid costly mistakes or unsuitable property choices
Ensure the lending strategy aligns with your long-term objectives
At Citrine Lending Solutions, SMSF lending is our sole focus — allowing us to provide clear, strategic guidance at every stage.
FAQ’s
Is SMSF lending right for everyone?
No. Suitability depends on your super position, goals, timeline, and risk profile. An assessment should be done before proceeding.
What types of property can be purchased?
Residential investment property and commercial property may be possible depending on SMSF rules and lender policy.
How much super do I need?
There is no single minimum, but SMSF lending typically requires a healthy super balance to manage deposits, costs, and ongoing loan commitments. This is assessed on a case-by-case basis.
Can I live in the property?
No. SMSF property must be used for investment purposes only and cannot be lived in or used personally by members or related parties.
Is SMSF lending more complex than standard lending?
Yes. SMSF lending involves additional legal, compliance, and lending considerations. This is why specialist advice is essential.
What are the risks?
As with any investment, risks include market movements, cash flow management, and compliance obligations. Proper structuring and advice help mitigate these risks.
Start With a Conversation
SMSF lending can be a powerful strategy — but only when it’s right for your situation and structured correctly.
If you’re considering using your super to invest in property, start with a conversation to understand your options and whether SMSF lending aligns with your long-term goals.
