Assess the fund
We look at the financial position, available deposit, contributions, liquidity and other information relevant to lender assessment.
SMSF Loans Brisbane
SMSF LENDING
SMSF Property Lending Starts With the Right Structure
Borrowing through a self-managed super fund involves more than finding a property and applying for finance. The fund, proposed property, borrowing structure and lender policy all need to work together.
We help Brisbane trustees considering SMSF property finance understand the lending requirements, compare relevant lender policies and manage the finance application through to settlement. As a mortgage broker in Caloundra, we support Brisbane clients by phone and online while drawing on more than 30 years of Queensland lending experience.
Check the property
Property type, intended use, valuation and lender security policy can all affect the available finance.
Compare the lenders
SMSF policies can differ considerably, so we look for lenders whose current requirements may fit the proposal.
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Working With Ausfirst for SMSF Lending in Brisbane
You do not need an Ausfirst office in Brisbane to work directly with our lending team. Brisbane SMSF trustees, professionals and business owners can discuss their proposed purchase or refinance with us by phone or online, with documentation and lender communication handled remotely where appropriate.
Our role is the finance. We can assess how a lender may view the fund, property and proposed borrowing, explain the documents likely to be requested, compare relevant loan options and manage the loan application. Decisions about establishing an SMSF, its investment strategy, tax position or legal structure should be made with appropriately qualified financial, taxation and legal professionals.
This distinction can be particularly useful for Brisbane business owners considering premises through their SMSF. If the property is being acquired outside super instead, we also assist with commercial property loans. Other ownership structures may involve different lending requirements, including property trust loans.
For us, Brisbane localisation is about how the finance is actually handled rather than making claims about particular suburbs or property growth. The important questions are whether the transaction fits the current borrowing rules, whether the property is acceptable to the lender and whether the fund can meet that lender's assessment requirements.
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How an SMSF Property Loan Works
SMSFs are restricted in the circumstances in which they can borrow. Where the legislative requirements are met, borrowing may take place through a Limited Recourse Borrowing Arrangement, commonly called an LRBA.
Under an LRBA, the acquired asset is held through a separate holding arrangement while the borrowing remains in place, subject to the LRBA requirements. The lender's recourse in relation to the borrowing is limited in the manner required by the legislation rather than extending freely across the fund's other assets.
ASIC Moneysmart's SMSFs and property guidance explains that borrowing to acquire property through an SMSF involves strict rules and additional complexity, including cash-flow, cost and investment-risk considerations. It also recommends obtaining appropriately licensed financial advice when considering whether SMSF property borrowing suits the fund.
From a finance perspective, a lender may look at how much of the purchase and costs the fund can contribute, how much liquidity remains after settlement and what income it will recognise for servicing. Rental income and super contributions may be relevant, but the treatment of each can differ between lenders.
The legal and trust documentation also needs to be considered at the appropriate stage. Ausfirst can explain what the lender requires and coordinate with your solicitor, accountant, financial adviser or SMSF administrator, but those professionals should advise on matters within their respective legal, tax, superannuation and financial-advice scopes.
CURRENT BORROWING RULES
Current SMSF Property Borrowing Rules
Accurate as of September 2026. The rules for new LRBAs involving real property changed on 10 August 2026.
Schedule 5 of the Treasury Laws Amendment (Tax Reform No. 1) Act 2026 amended section 67A so that real property acquired under an affected new borrowing arrangement must be business real property. The legislation commenced on 10 August 2026 and includes transitional treatment for specified earlier arrangements and certain refinancing arrangements.
New Real-Property Borrowing
For affected arrangements entered into from 10 August 2026, the property must satisfy the statutory business real property requirement. A standard residential investment property will not meet the new business real property requirement for an affected LRBA entered into from 10 August 2026.
Existing and Transitional Arrangements
The legislation preserves specified arrangements entered into before commencement. It also preserves specified refinancing arrangements and certain acquisitions occurring under arrangements entered into before the change, subject to the legislative conditions.
Business Premises
For some Brisbane business owners, eligible business premises may remain relevant to SMSF borrowing. Whether a property meets the legal definition of business real property depends on the facts and should be checked with the appropriate SMSF, legal and tax professionals. Ausfirst can then assess the lending side of the proposed transaction.
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SMSF Loans Brisbane: What Lenders May Assess
An SMSF lender may consider the proposal as a whole rather than relying on one figure. The fund, property, members, available funds and supporting documentation can all affect the lender's decision.
- Fund position: Financial statements, assets, liabilities and the fund's history may be considered.
- Deposit and LVR: The amount the SMSF contributes and the resulting loan-to-value ratio can influence the available lender options.
- Liquidity: Some lenders require a particular level of liquid assets to remain in the fund after settlement.
- Rental income: Existing or proposed rent may be included in servicing, although a lender may apply its own percentage or assessment method.
- Contributions: Employer and other acceptable contributions may be considered, with evidence and history requirements differing between lenders.
- Trust documentation: The lender may request the SMSF deed, holding-trust documents and other supporting records.
- Investment-strategy documentation: A lender may require evidence relevant to the fund's documented strategy, while advice about that strategy remains outside the broker's role.
- Property security: The property type, use, location, valuation, lease arrangements and marketability may affect lender appetite.
- Member circumstances: Depending on policy, age, retirement timing, guarantees or an exit strategy may also need to be addressed.
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Comparing SMSF Lenders for a Brisbane Property
Ausfirst works with more than 40 lenders across its broader panel, including banks and non-bank lenders. Not every lender on that panel offers SMSF finance, so the useful number is not the size of the panel by itself. It is the number of lenders whose current SMSF policy is relevant to your particular proposal.
Those policies can differ on acceptable property, maximum LVR, minimum fund position, post-settlement liquidity, contribution treatment, rental-income assessment, guarantees, loan terms, rates, fees and documentation.
That can matter where a Brisbane business owner is purchasing commercial premises or a trustee is refinancing an existing SMSF borrowing. One lender may accept a security type or servicing position that another does not, while another lender may impose documentation or liquidity requirements that change the practical borrowing options.
We can compare relevant lender policies and explain why a particular lender may or may not fit the proposed transaction. When choosing an SMSF lender, factors such as property type, servicing, liquidity, loan terms and documentation can all affect which options are worth considering.
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Brisbane SMSF Lending Situations We Can Assist With
Buying Eligible Business Premises
A Brisbane business owner may be considering premises such as an office, warehouse or other commercial property through an established SMSF. We can assess lender appetite, servicing, valuation and finance documentation while your other advisers deal with the superannuation, legal and taxation aspects.
Refinancing an Existing SMSF Property Loan
If an existing lender's rate, product or policy no longer suits the fund, refinancing may be worth investigating where it is legally available. We can compare relevant refinancing loan options and check the requirements of the proposed replacement lender.
Finding a Lender That Fits the Property
Some SMSF transactions become difficult because the first lender approached does not accept the security or applies an unsuitable policy. Looking at the property and fund together before lodging the application can help narrow the field to more relevant lenders.
Coordinating a Structured Application Remotely
A Brisbane borrower may have an accountant, solicitor and SMSF administrator in different locations. We can keep the lending component moving online and communicate the lender's requirements so each professional can deal with their own part of the transaction.
HOW WE WORK
Our SMSF Lending Process for Brisbane Clients
Understand
We start with what you are looking to finance, the proposed property and where the SMSF currently stands.
Gather
We identify the fund, financial, property and supporting information that relevant lenders are likely to request.
Analyse and Compare
We review relevant lender policies and compare SMSF lending options that may fit the fund, security and borrowing requirement.
Coordinate
Where appropriate, we communicate with your accountant, solicitor, financial adviser or SMSF administrator about lender requirements while they advise on matters within their own professional scope.
Apply and Finalise
Once you choose to proceed, we prepare the finance application, liaise with the lender and assist through approval and settlement, subject to the lender's assessment and conditions.
Support
After settlement, the loan can be reviewed where appropriate as lender products, policies or the fund's circumstances change.
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Why Work With Ausfirst for an SMSF Loan in Brisbane?
Direct Access to an Experienced Queensland Broker
Richard Luke, Director of Ausfirst Lending Group, has more than 30 years of finance and lending experience. Brisbane clients can work with an experienced broker who understands Queensland lending without being passed through a large call-centre structure.
Brisbane Support From Our Caloundra-Based Team
Our physical office is in Caloundra at Suite 3/74 Bulcock Street, Caloundra QLD 4551. Brisbane clients can work with us remotely by phone and online, allowing the finance process to move without repeated travel to an office.
Experience Beyond Standard Home Loans
Ausfirst also works across commercial, investment and trust lending. That broader structured-finance experience can be useful where an SMSF transaction involves a business property, multiple entities or documentation that needs to be considered in the correct sequence.
A Broad Lender Panel, Used Selectively
Our panel includes more than 40 lenders, but we do not suggest that every one offers SMSF finance. We focus on lenders whose current policy may be relevant to the fund, property and proposed structure.
Clear Scope and Coordination
We handle the lending work rather than blurring mortgage broking with investment, tax or legal advice. Where those areas matter, we can work alongside the professionals you have chosen so everyone understands the lender's requirements.
YOUR BROKER
Meet Richard Luke
Richard Luke is Director of Ausfirst Lending Group and has more than 30 years of experience across finance and lending. His professional background includes working as a Lending Manager with Commonwealth Bank and holding senior finance roles in Brisbane before becoming a Director of Ausfirst Lending Group in 2016.
Richard has a Graduate Diploma in Business from the University of Queensland and a Diploma of Financial Planning (RG146), alongside earlier university studies in law. His experience extends to SMSF and structured property lending, where understanding lender policy and coordinating the finance requirements can be particularly important.
Brisbane SMSF clients can work directly with Richard and the Ausfirst team by phone and online. Richard can help assess the finance proposal, compare relevant lender policies and oversee the lending process through to settlement, while coordinating with the client's other SMSF professionals where appropriate.
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What Ausfirst Clients Say
Ausfirst's published client stories are not represented as SMSF case studies, but they provide useful evidence of how clients describe the broader service experience.
“The flexibility, the service, and the painless process gave me peace of mind.”
“If you don't have someone like Rich in your life, it can be quite a daunting task.”
Published Ausfirst client case study concerning broader lending services, not an SMSF loan.
SMSF LENDING BRISBANE
Discuss Your SMSF Loan With a Brisbane Lending Broker
If you have a Brisbane SMSF property or refinancing proposal in mind, we can look at how relevant lenders may assess the fund, property and borrowing requirement before you decide how to proceed.
From there, we can compare relevant lender policies and manage the finance process alongside your other SMSF professionals, subject to lender assessment and the applicable borrowing rules.
SMSF LOANS BRISBANE FAQs
Frequently Asked Questions (FAQs)
Can an SMSF still borrow to buy property?
SMSF borrowing remains possible through qualifying limited recourse borrowing arrangements, but the real-property rules changed from 10 August 2026. For affected new arrangements, the property must meet the current business real property requirement, subject to the legislation and any applicable transitional provisions.
Can an SMSF take out a new loan for a residential investment property?
For affected LRBAs entered into from 10 August 2026, real property must be business real property. A standard residential investment property will not meet the business real property requirement for an affected new LRBA, although transitional provisions may apply to some earlier arrangements.
How much deposit does an SMSF need?
There is no universal deposit requirement across all SMSF lenders. The amount needed can depend on the lender's maximum LVR, the property, valuation, available fund assets and any post-settlement liquidity requirement.
Do all lenders offer SMSF loans?
No. SMSF lending is a specialist area and lender participation and policy can change. Ausfirst's broader panel contains more than 40 lenders, but we assess which of those lenders may offer relevant SMSF options for the proposal.
Can an existing SMSF property loan be refinanced?
Refinancing may be possible depending on the arrangement, current legislation and the replacement lender's requirements. The 2026 legislative amendments preserve specified refinancing arrangements relating to pre-commencement borrowing arrangements, subject to the statutory conditions.
What documents might an SMSF lender request?
A lender may request documents including the SMSF trust deed, financial statements, tax information, bank or investment statements, contribution evidence, holding-trust documents and property information. Requirements vary between lenders and transactions.
Does Ausfirst Lending Group have an office in Brisbane?
Our verified physical office is at Suite 3/74 Bulcock Street, Caloundra QLD 4551. Brisbane clients can work with Ausfirst by phone and online, allowing the lending process to be managed remotely where appropriate.
The information above is general in nature and is accurate as of September 2026. It does not take into account your objectives, financial situation or needs and does not constitute personal financial, investment, tax or legal advice. SMSF rules, lender policies, rates, fees and assessment requirements can change, and outcomes are subject to lender assessment. Consider obtaining independent financial, taxation and legal advice appropriate to your circumstances. This content is subject to Ausfirst Lending Group/broker review before publication.
Award-Winning Brokers With 50+ Years Of Accumulated Knowledge & Lending Experience
Ausfirst Lending Group is proud to be recognised as a finalist in the 2024 Sunshine Coast Business Awards under the Professional Services category, showcasing our commitment to excellence and dedication to serving the community with integrity and expertise.
Our Lenders
Quality
We don’t just find you a loan that fits; we aim to get one that exceeds your expectations in terms of rates, options, and service.
Choice
We work with over 40 lenders, including big banks and non-bank lenders, giving you unparalleled mortgage choice—you have plenty of options to choose the most suitable home loan for you.
Support
Our team is dedicated to guiding you throughout your homeownership journey, whether it’s securing your first home or an additional investment property. We provide ongoing support, including a 6-month review process to keep your loan competitive.
Experienced Brokers
Every mortgage broker on our team has over 10 years of industry experience, ensuring expert advice every step of the way.
Personalised Approach
We tailor home loan solutions that prioritise your best interests, not the bank’s.
Simple Process
Our entire process is transparent and easy to understand, making the entire journey hassle-free.
What Makes Ausfirst Lending Group Different?
Investing in a holiday home can be an effective way to build long-term wealth while creating a personal sanctuary, and choosing the right holiday home loan is an important part of your strategy. At Ausfirst Lending Group, we take the time to understand your financial circumstances, lifestyle objectives, and future plans to help you compare suitable finance options from our panel of lenders.
Whether you're purchasing your very first vacation property, expanding your rental portfolio, refinancing an existing holiday home loan, or leveraging equity to fund your next getaway destination, we provide personalised guidance throughout every stage of the process. We'll help you understand your borrowing capacity, compare specialized loan features, and identify lending solutions that align with your property strategy.
Our goal is to make the loan process straightforward and stress-free by providing clear advice, regular communication, and dedicated support from application through to settlement. Rather than offering a one-size-fits-all solution, we focus on helping you secure a holiday home loan that supports your financial goals, maximises your opportunities, and contributes to your long-term wealth-building strategy.
Whether you're purchasing your very first vacation property, expanding your rental portfolio, refinancing an existing holiday home loan, or leveraging equity to fund your next getaway destination, we provide personalised guidance throughout every stage of the process. We'll help you understand your borrowing capacity, compare specialized loan features, and identify lending solutions that align with your property strategy.
Our goal is to make the loan process straightforward and stress-free by providing clear advice, regular communication, and dedicated support from application through to settlement. Rather than offering a one-size-fits-all solution, we focus on helping you secure a holiday home loan that supports your financial goals, maximises your opportunities, and contributes to your long-term wealth-building strategy.
Visit Your Local Mortgage Broker on the Sunshine Coast
Whether you're buying your first home, refinancing, or exploring loan options through a trust or SMSF, we’re here to guide you every step of the way. As your trusted Mortgage Broker on the Sunshine Coast, we offer personalised advice tailored to your needs.
Office Hours
Monday
9 AM - 5 PM
Tuesday
9 AM - 5 PM
Wednesday
9 AM - 5 PM
Thursday
9 AM - 5 PM
Friday
9 AM - 5 PM
Location: Suite 3/74 Bulcock St, Caloundra QLD 4551
Our SMSF Lending Process
Understand
We begin by understanding your SMSF goals — from setting up the fund to purchasing your first investment property — through an initial consultation (via phone, Zoom, or in person).
Gather
We collect key SMSF and trustee information, including trust deeds, financial statements, and contribution details, to lay the foundation for a compliant lending strategy.
Analyse & Plan
We review your borrowing capacity, assess suitable SMSF loan options, and design a lending plan that aligns with both your fund’s investment strategy and ATO compliance requirements.
Apply
We prepare and submit your SMSF loan application to the most suitable lender, ensuring all LRBA and bare trust documentation is accurate and complete.
Finalise
We coordinate settlement, work with your solicitor and custodian trustee, and ensure the property title is correctly held for SMSF compliance.
Support
We provide ongoing SMSF loan reviews, refinancing options, and compliance guidance to help your fund’s investments perform at their best over time.
Explore Other Loan Solutions We Offer
We provide a wide range of lending options designed to suit different property goals, financial situations, and investment strategies. Whatever your needs, our team is here to guide you to the right loan solution.
Home Ownership Loans
For buyers and homeowners managing their own property needs.
First Home Loans
Get started on your homeownership journey with our first home loan options, crafted to help you secure your dream home.
Second Home Loans
Finance your next property with ease using our second home loan options.
Home Equity Loan
Leverage the equity in your home to unlock funds for renovation, investment, or other financial needs.
Refinancing
Review and enhance your current mortgage terms with our refinancing options, designed to save you money.
Changing Home Loans
Adapt your mortgage to suit your changing life circumstances with ease.
Bridging Loans
Bridge the gap between buying and selling with short-term loan solutions.
Investment Loans
Investment Loans
Explore our investment loan solutions designed to help you build and grow your property portfolio.
SMSF Loans
Utilise your self-managed super fund to invest in property with our specialised SMSF loan options.
Trust Loans
Secure funding for your trust's investment needs with our trust loan solutions, tailored for optimal outcomes.
Sophisticated Investor
Unlock exclusive lending opportunities tailored for sophisticated investors ready to scale.
Rentvesting
Live where you love and invest where it counts with our rentvesting strategies.
Holiday Home Loans
Own your dream holiday retreat with our tailored holiday home loan solutions.
Commercial & Construction Loans
Commercial Loans
Secure finance for your business property needs with our commercial loan options.
Construction Loans
Access funds in stages as construction progresses.
Property Improvement
Green Home Loans
Finance eco-friendly homes or upgrades with our green loan products.
Renovation Loans
Transform your property with renovation loans tailored for projects of any size.
Tailored Loan Solutions for Professionals Across All Industries
We provide tailored lending options for healthcare workers, educators, tradespeople, legal professionals, and business owners—designed to suit the way you earn and work.
LMI Waived Loans For Medical & Healthcare Professionals
At Ausfirst Lending Group, we understand that medical and healthcare professionals need more than just a loan—they need a lending partner who appreciates their unique journey. Whether you're a doctor, nurse, dentist, or allied health specialist, we provide tailored home loan solutions with personal guidance, LMI waivers, and flexible options that fit your career and lifestyle. With Richard’s 30+ years of hands-on broking experience, we ensure your loan process is managed with care, transparency, and expertise from start to finish
Home Loans for Doctors
Designed to accommodate complex income structures like private practice, hospital rosters, and ABNs.
Home Loans for Nurses
Flexible loan terms aligned with shift work schedules and frontline service benefits.
Home Loans For Chiropractor
Mortgage options that recognise the cash flow patterns of clinic-based professionals.
Home Loans For Dentists
Lending solutions tailored for high-earning professionals with private practice considerations.
Home Loans For Optometrists
Customised loans for optometrists balancing practice ownership and salaried roles.
Home Loans For Pharmacists
Designed to support pharmacists navigating retail, hospital, or business ownership income structures.
Home Loans For Physiotherapists
Tailored lending for physiotherapists in private clinics or mobile practices.
Home Loans For Psychologists
Loan programs suited to private practice psychologists and those in multidisciplinary clinics.
Education Professionals
Educators play a vital role in shaping future generations, and we’re here to ensure their home loan journey is just as rewarding. Whether you're a school teacher, early childhood educator, university lecturer, or support staff member, we offer home loan solutions designed to recognise your dedication to the community. From exclusive lending benefits to flexible loan structures, we simplify the process so you can focus on what you do best—teaching and supporting others.
Home Loans for Teachers
Mortgage solutions that support educators with steady incomes and eligibility for LMI waivers.
Law Enforcement & Legal Professionals
For those who serve and protect—whether in law enforcement, emergency services, legal professions, or defence—navigating the home loan process should be as straightforward as possible. We offer tailored mortgage solutions that acknowledge the unique demands of your profession, providing structured lending benefits, flexible options, and personalised support.
From police officers and firefighters to lawyers and defence personnel, we’re here to simplify your path to homeownership with solutions designed around your service.
Home Loans for Lawyers
Structured home loans for legal professionals with scalable borrowing capacity as careers progress.
Home Loans for Police Officers
Reliable mortgage options designed for law enforcement with steady service incomes and allowances.
Specialised Loan Solutions
LMI Waived Loans
Save thousands by avoiding Lenders Mortgage Insurance with our waived options and find out about our unique loan strategies.
Low-Deposit Home Loans
Tailored for self-employed professionals and business owners who may not have traditional income verification.
100% Offset Home Loans
Take advantage of a 100% Offset Home Loan to minimise the interest you pay by linking your savings directly to your mortgage.
Family Guarantee Home Loans
With a Family Guarantee Home Loan, your parents or close family members can help you enter the property market by using their home equity as security.
Profession-Specific Home Loan Services
Home Loans for Tradies
Flexible lending for self-employed tradies with fluctuating incomes and contractor work history.
Self Employed Loans
Flexible lending tailored to business owners and freelancers with variable documented income.
Home Loans For Accountants
Structured loan solutions designed for accountants with layered income sources and business deductions.
Engineers
Lending options structured for engineers with contract-based or salaried employment structures..
