SMSF Funding.
Your SMSF can invest in property - but the LRBA compliance requirements make most brokers nervous. We specialise in SMSF loans, understand bare trust structuring, and work alongside your accountant and financial planner to get the deal done correctly. 60+ lenders, SMSF specialists included.
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Won't affect your credit score.
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How It Works
Property investment inside your super - done compliantly.
An SMSF can borrow to invest in property through a Limited Recourse Borrowing Arrangement (LRBA). The property is held in a bare trust on behalf of your fund during the loan term, protecting your other super assets. Once the loan is repaid, legal title transfers directly to the SMSF.
At Co-Pilot Finance & Insurance, we specialise in navigating the compliance requirements and lender policies that make SMSF lending more complex than standard property finance. We work closely with your SMSF accountant, financial planner, and solicitor to structure everything correctly from the outset.
Whether you're purchasing residential investment property or commercial premises for your business, our team searches 60+ lenders - including SMSF specialists - to find the right loan structure and the most competitive rate for your fund.
Limited Recourse Borrowing Arrangements
All SMSF property loans are structured as LRBAs - protecting the rest of your fund's assets from lender recourse while enabling your super to invest in direct property.
Residential & Commercial Property
Finance investment-grade residential property or commercial premises - including the business premises your company operates from - all within a compliant SMSF structure.
Competitive SMSF Loan Rates
We search 60+ lenders including specialist SMSF lenders to find the most competitive rate for your fund's property purchase - without compromising compliance.
Compliant Structuring
SMSF lending has strict legal requirements. We ensure the loan and bare trust structure meet ATO and SIS Act requirements, working alongside your accountant or SMSF specialist.
Run The Numbers
Calculate your SMSF loan repayments
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Estimated monthly repayment
$4,026.14
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Who It's For
SMSF property loans - who they're designed for
SMSF lending suits those looking to build retirement wealth through direct property investment within a tax-advantaged structure.
SMSF Trustees
Trustees looking to grow their fund's asset base through direct property investment - residential or commercial - using the leverage available through a compliant LRBA.
Business Owners
Purchase your business premises inside your SMSF and pay rent to your fund - building retirement wealth while keeping your property in a tax-advantaged structure.
Property Investors
Add direct property to your super portfolio alongside shares and cash - diversifying your retirement assets with a tangible, income-producing investment.
Retirement Planners
Those building long-term wealth inside super through a deliberate strategy of leveraged property investment for retirement income and capital growth.
Key Benefits
Why SMSF trustees choose property as a retirement investment
Asset Protection
The LRBA structure limits the lender's recourse to the acquired property - your fund's other assets (cash, shares, other property) are protected if the loan defaults.
Tax-Advantaged Growth
Property held inside an SMSF benefits from concessional super tax rates - 15% on rental income and capital gains (and potentially 0% in pension phase).
Leverage Within Super
Use borrowed funds to acquire a larger asset than your current super balance allows - amplifying your fund's potential for capital growth and rental income.
Business Premises Ownership
Business owners can hold their commercial premises inside their SMSF, paying market rent to the fund - a powerful dual-purpose wealth strategy.
Rental Income to Fund
All rental income flows directly into your SMSF, boosting your retirement savings while the property is tenanted - supporting both loan servicing and fund growth.
Portfolio Diversification
Add direct property to your super alongside managed funds and other assets - reducing concentration risk and creating a more balanced retirement portfolio.
Why Co-Pilot
Why Co-Pilot - SMSF lending requires a specialist
SMSF Lending Expertise
We understand the compliance requirements, bare trust structures, and lender policies specific to SMSF borrowing - not every broker does.
60+ Lender Panel Including SMSF Specialists
Access to lenders who actively write SMSF loans, including specialist non-bank providers with competitive rates and flexible criteria for fund borrowing.
Coordinated with Your Advisors
We work alongside your SMSF accountant, financial planner, and solicitor to ensure every part of the loan and trust structure is correctly established.
Competitive Rate Negotiation
We compare SMSF loan rates across our full panel to find the most favourable terms - because even small rate differences have a significant impact over the loan term.
Clear Compliance Guidance
We explain the ATO and SIS Act requirements clearly - so you understand what your fund can and cannot do before you commit to a purchase.
Bare Trust Coordination
We manage the bare trust establishment process alongside your SMSF solicitor - coordinating lender, trustee, and legal requirements so nothing falls through the cracks at settlement.
Eligibility
SMSF loan eligibility - what lenders and the ATO need from your fund
SMSF lending has specific legal and compliance requirements under the SIS Act. Our team works with your SMSF advisors to confirm your fund's eligibility before application.
- Compliant SMSF established with a corporate or individual trustee
- Sufficient fund balance - typically $150,000–$200,000 minimum
- Bare trust (custodian trust) established for the specific property
- Property meets the sole purpose test and investment strategy
- Fund demonstrates ability to service the loan from contributions and rental income
- For commercial property: property can be leased to a related party at market rent
This is general information only - not financial or legal advice. Always obtain advice from a licensed SMSF specialist before proceeding.
Ready to grow your super through property?
Whether your SMSF is established or you're still planning, talk to our team. We'll assess your fund's borrowing capacity and help you structure the right LRBA for your property purchase.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About SMSF Funding
Ready to invest in property through your SMSF? Let's structure it right.
Tell us about your fund, the property you're targeting, and your existing advisors - we'll come back with SMSF loan options across 60+ lenders, no obligation. Most SMSF applications are assessed within 48 hours.