Buying property through your super? We'll help you set up correctly.

Purchasing property through a Self-Managed Super Fund (SMSF) can be a powerful way to grow your retirement savings — but it comes with more rules, more structure, and a few extra steps. Whether you’re just exploring the idea or ready to act, we’ll guide you through the process from start to finish.

At Infinity Mortgage Brokers, we work closely with clients, accountants, and financial advisers to make sure your SMSF lending is handled with care, clarity, and compliance.

What's involved in an SMSF loan?

An SMSF loan allows your super fund to borrow money to buy an investment property — typically a residential or commercial property that generates income for the fund. These loans are different from standard home loans. Here's what’s typically involved:

• Setting up a compliant SMSF structure (if not already in place)

• Establishing a bare trust or custodian trust to legally hold the property

• Meeting lender requirements specific to SMSF lending (often stricter than regular loans)

• Ensuring the property meets ‘sole purpose’ and investment strategy rules

• Providing strong documentation of fund performance and contributions

It’s a more complex process — but with the right guidance, it’s absolutely doable.

Why would I need a broker to purchase in an SMSF?

Getting your SMSF loan structured correctly is essential. This isn’t just another property purchase — it’s part of your retirement planning. A mistake at the lending stage can affect tax outcomes, compliance, and your ability to borrow again through the fund. That’s why it’s so important to work with a broker who understands the regulations and the long-term implications — not just the paperwork.

How Infinity Mortgage Brokers can help

We’ve helped many Australians purchase property through their SMSF — from setting up the right loan to ensuring everything aligns with super fund requirements. Here’s what we bring to the table:

• A clear explanation of your lending options

• Access to SMSF-friendly lenders with competitive rates

• Experience dealing with trusts, SMSF documentation, and compliance issues

• Coordination with your accountant or financial adviser (or referrals if needed)

• End-to-end support to make a complex process feel simple

We won’t overcomplicate it — but we won’t cut corners either. We take the time to get it right.

Want to know more about buying through your SMSF? Let's talk.

Schedule a free introductory call with us now.