Facebook-f Instagram Linkedin-in Google
Get Started

SMSF Loans

Invest through your SMSF with lending solutions designed around your retirement strategy. MartinCo Financial Services provides guidance to help navigate the process with clarity.

  • Home
  • SMSF loans
SMSF Property Investment

Use your self-managed super fund to invest in residential or commercial property and grow your retirement savings.

SMSF Loan Basics

What is an SMSF Loan?

An SMSF loan allows your self-managed super fund to borrow funds for property investment. Rental income and capital gains return to your super fund, building your retirement savings.

Benefits of an SMSF Loan

With the right loan and structure, you can:

  • Plan your retirement independently
  • Choose property investments that suit your goals
  • Borrow within your self-managed super fund for property gearing
Get Started
Professional walking into the MartinCo office.
MartinCo professional leading a laptop presentation.
MartinCo professionals collaborating in meeting room.
SMSF Loan Example

SMSF Case Study

Joan had a $200,000 SMSF. She borrowed $300,000 at a variable rate of 7.80 percent with an 80 percent LVR to purchase a property for $475,000. Renting it for $500 per week generated $26,000 annually. Her loan repayments were covered by rental income and SMSF contributions, while property value increased over time.

Get Started

Speak With an SMSF Loan Specialist

Looking to invest in property through your super? Get in touch to discuss SMSF lending options and the next steps involved.
Client Reviews

Real Results. Trusted by Clients.

Guidance Made First Home Easy

"Todd and his team were exceptional from start to finish assisting us with our mortgage approval. This was our first home purchase and we were very new to the process, however Todd and his team helped us every step of the way. We hit a few unexpected snags due to my partners visa status along the way and Todd managed to find solutions to help us achieve a mortgage without being lumped with an excessive government surcharge. We are truly grateful for Todd and his team and highly reccomend them to assist in securing a mortgage at an excellent rate."

Josh Boulton

Client

Smooth and Efficient from Start to Settlement

"We can’t thank Todd Martin enough for his help securing the right finance for us. When we were finding it difficult to arrange things on our own, Todd stepped in and quickly identified the best solution. He guided us through a smooth, efficient process all the way to settlement, making what could have been stressful feel simple and well managed. We’d happily recommend Todd to anyone looking for knowledgeable, proactive and reliable mortgage advice."

Adam Boyle

Client

Clear Guidance and Personalised Care

"I highly recommend Todd Martin from MartinCo Financial Services. He took the time to truly listen to my needs, provided clear and thorough guidance, and he carefully planned the best approach to secure my loan. He, and his teams support throughout the process was outstanding, making the experience smooth and stress-free."

Belinda Robinson

Client

Outstanding Communication and Support

"We're so grateful we had Todd with us through this whole journey as first home buyers. His communication was exceptional, and the guidance he gave us at every step honestly felt like a superpower. Having someone we can rely on in our corner made everything so much easier and gave us so much confidence. We couldn't be more thankful or recommend him more highly. Thank you Todd!"

Nathan Bryant

Client

Professional and Stress-Free Experience

"Todd Martin and his staff provided outstanding service. They supported us through the process with professionalism and care. Highly recommend for anyone needing financial services. First home buyer two thumbs up! "

Rachael mcfadyen

Client

Simple and Easy for First Home Buyers

"Fantastic brokers to deal with. They made everything seamless and easy to understand, which was incredibly helpful as a first home buyer. I strongly recommend them to anyone."

John Sanchez

Client

Reliable Advice and Long-Term Support

"I have worked with Todd and the team at MartinCo Financial Services for a number of years both for personal finances as well as professional. I have recommended the service to friends, family members and other businesses that we have worked with - and have only heard positive things. I find the professionalism, knowledge of the market, presentation of various solutions and the personalised service to be second to none. There is no other organisation that I would seek, and no one that I would trust with my finances other than Todd and his team."

Nicholas Alderdice

Client

Expert Support for SMSF Property Finance

"We’ve just used Martin and co to assist in securing a loan to purchase a property in our SMSF. Always professional and easy to deal with, we would highly recommend them."

Julie Kidd

Client

Fast and Competitive Car Loan Approval

"Todd and his team were fantastic. They moved very quickly to get the car loan in place and got me a competitive rate. Everything was explained to me which made the process easy and stress free."

Christopher McGrath

Client

Smart Solutions for Complex Financial Needs

"I can't recommend Todd and his team highly enough. We were unfortunate enough to lose a business and needed to consolidate a business loan into our mortgage. Todd and Ericka handled the whole process and made it as smooth as possible. We will be using Todd and the team for all of our lending needs in the future."

Rachel S.

Client

Common Questions

SMSF Loans FAQs

Can I use my super to buy property?
Yes. Eligible clients may purchase residential or commercial property through a self managed super fund using SMSF lending.
Depending on lender and compliance requirements, SMSFs may purchase investment residential or commercial properties.
Yes. Professional advice is important to ensure the SMSF structure, compliance requirements, and lending setup are handled correctly.
Many professionals suggest having a strong super balance before establishing an SMSF to help manage setup and ongoing costs effectively.
No. SMSF property purchases must meet strict compliance rules and generally cannot be lived in by members or relatives.
MartinCo agent on phone call by street.
Start Your Loan Application
Complete a quick application and we’ll guide you through the process to find the right loan for your needs.
Start Application