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SMSF Lending

Lower your repayments, reduce interest costs, and simplify your finances with tailored refinancing strategies from 70+ lenders.

SMSF Lending

Convergence Finance SMSF Lending

Why Choose Convergence Finance for SMSF Lending?

SMSF Specialists

End-to-end setup & compliance support

70+ Lender Network

Competitive rates from SMSF-approved lenders

Tax Efficiency Focus

Maximize returns with strategic structures

SMSF Lending

SMSF Property Loans

Buy residential or commercial property through your super.

  • Loan-to-Value Ratios (LVR) : Up to 80%
  • Limited Recourse Borrowing Arrangements : Protect other fund assets
  • Tax Benefits : Rental income taxed at just 15%
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SMSF Lending

SMSF Commercial Property Loans

Own your business premises through your super fund.

  • Self-Use or Leased : Buy your company’s office/warehouse
  • Longer Loan Terms : Up to 25 years
  • GST Savings : Claim credits on commercial purchases
+61 390 524 040
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SMSF Lending

SMSF Equipment & Asset Finance

Invest in business-critical assets through your super.

  • Medical/Dental Equipment : MRI machines, dental chairs
  • Agricultural Assets : Tractors, vineyards
  • Tax-Deductible Repayments : Boost fund performance
+61 390 524 040
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SMSF Lending

SMSF Refinancing

Lower rates or unlock equity in existing SMSF loans.

  • Rate Reduction : Avg. 1–2% savings vs. incumbent lenders
  • Equity Release : Fund new investments without cash outflow
  • Loan Restructuring : Adjust terms to match retirement timelines
+61 390 524 040
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SMSF Lending

How SMSF Lending Works

SMSF
Setup

SMSF Setup

We partner with accountants to establish your fund

Loan
Pre-Approval

Loan Pre-Approval

Match with SMSF-compliant lenders

Purchase
& Settlement

Purchase & Settlement

Full compliance support

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SMSF Lending

Key Benefits of SMSF Lending

Tax Advantages

15% tax on rental income vs. marginal rates

Asset Protection

Ring-fence investments from personal liabilities

Wealth Growth

Leverage super to build long-term wealth

Flexibility

Invest in residential, commercial, or specialist assets

FAQ

Common Questions Answered Fast

Find quick answers to common queries below. Can’t see your question? Contact our team for personalized advice.

What is SMSF lending and how works?

SMSF lending allows a self-managed super fund (SMSF) to borrow money to purchase investment property through a limited recourse borrowing arrangement (LRBA).

Yes, your SMSF can borrow to invest in residential or commercial property under strict conditions set by the ATO.

An SMSF can purchase both residential and commercial properties, provided the investment complies with superannuation laws.

Lenders generally require your SMSF to have a solid financial position, consistent contribution history, and enough liquidity to service loan repayments.

SMSF loan interest rates are usually higher than standard home loans due to the added complexity and limited recourse structure.

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Let’s Get In Touch

For immediate assistance, call our team. If you are prefer written communication? Reach out us via email.

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+61 390 524 040
Request a Free Consultation
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