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SMSF Investors

Residential and commercial property investment through a Self-Managed Superannuation Fund. Fees currently waived on residential.

Lending for SMSF investors

SMSFs provide Australians with the flexibility to invest in property on a tax-advantaged basis — but finding a lender willing to support SMSF property investment has become increasingly difficult. Mainstream banks have tightened SMSF lending significantly, and many no longer offer these products at all.

Better Choice offers both residential and commercial SMSF loans, structured under a Limited Recourse Borrowing Arrangement (LRBA). Our SMSF Residential loan currently has both application and settlement fees waived, making it one of the most cost-effective SMSF residential lending options available.

Features

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Residential and commercial SMSF

Both residential and commercial property investment available through Better Choice SMSF loans.
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Application and settlement fees waived

Application and settlement fees currently waived on SMSF Residential loans — a significant upfront saving for your clients.
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LRBA compliant structure

Both products structured to comply with superannuation borrowing rules under an LRBA. Appropriate trustee documentation required.
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Up to 80% LVR

Maximum LVR of 80% on both residential and commercial SMSF products.
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Corporate trustee required (commercial)

SMSF Commercial requires a corporate trustee structure with a separate property trustee company as mortgagor.
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No clawback on commercial

Better Choice does not clawback commissions on SMSF Commercial loans.

Relevant products

SMSF Residential

Residential investment through an SMSF. Fees currently waived. From 7.09% p.a.
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SMSF Commercial

Commercial investment through an SMSF. Corporate trustee required. From 7.54% p.a.
Learn more

Prime Alt Doc

For SMSF trustees who also need residential alt doc lending in their own name.
Learn more

Have an SMSF scenario?

Submit your client's SMSF details and our team will assess eligibility for residential or commercial SMSF lending.
Submit a scenario