SMSF Property Loans Sydney | Prosper One Finance

Strategic Property Investment via SMSF

A Self-Managed Superannuation Fund (SMSF) allows you to take direct control of your retirement savings and investment decisions. Using a SMSF is a popular way to invest directly in property. At Prosper One Finance, we specialise in the technical complexities of SMSF lending, ensuring your fund’s acquisitions are structured correctly from the outset.

The Prosper One Advantage

Lender Access: While many major banks have exited SMSF lending, we maintain deep relationships with a panel of specialist lenders who remain active in this space.
Technical Compliance: SMSF loans must be structured as Limited Recourse Borrowing Arrangements (LRBA). We ensure your financing meets all legal and compliance requirements to protect your nest egg.
Serviceability Strategy: SMSF lending requires higher scrutiny. We help you demonstrate your fund's ability to service debt through contributions and rental income.
Complexity and Expertise: We provide clear guidance on the added complexity of an SMSF, including liquidity buffers, trust structuring and compliance requirements.

Navigating Residential & Commercial Rules

The Sole Purpose Test

Investing via super comes with strict compliance obligations. To secure an SMSF loan, the property must meet the "Sole Purpose Test"—meaning it is held exclusively to provide retirement benefits. For residential property, this means members or related parties cannot live in or rent the asset.

Commercial Property & Business Use

One of the most powerful uses of an SMSF is purchasing commercial premises. Unlike residential property, your SMSF can lease a commercial asset back to your own business, provided the lease is at a market-standard rate. This can be a highly effective way to secure your business's future while building your retirement wealth.

Expert Advocacy in a Complex Market

Because SMSF loans involve higher perceived risk for lenders, the "right" advice is critical. We assist you in navigating the varying loan-to-value ratios (LVR) and interest rates across the market. Our goal is to provide the technical support needed to ensure your SMSF is a high-performing vehicle for your future prosperity.