SMSF Residential Loans

Loan Purpose	Purchase residential property (investment only); Refinance of an existing residential SMSF Loan
Suitable Borrowers:	Corporate Trustees or Individual Trustee (minimum 2 members for Individual Trusts)
Min Loan Amount	$50,000
Max Loan Amount	$3,000,000
Max LVR	Up to 80%
Acceptable Securities	Category 1 and Category 2 Postcodes
Max SMSF Members	Up to 6 members
Repayment Options	Principal and Interest \| Interest only up to 5 years followed by Principal and Interest
Max Loan Term	30 years

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Residential SMSF Documents Checklist

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Residential SMSF

Existing Contribution PAYG and Self-employed

Confirmation of 2 year contribution via:

Most recent 2 year SMSF Financials; OR
Most recent 2 year Retail/Industry Fund Super Statement (if new SMSF)

PAYG: most recent 2 payslips

Self-employed: None

Additional Contribution – PAYG

Most recent 2 payslips, where contributions above the mandatory amount are needed for servicing (and historically contributions are not evident/sufficient)

Additional Contribution – Self-employed

Where contributions above the mandatory amount are needed for servicing (and historically contributions are not evident/sufficient) the following will be required:

Full Doc: Most recent 12-month financials (i.e. Statement of Financial Position / Performance), tax returns and ATO notice of assessment

Alt Doc: One of the following:

Accountant’s letter
Most recent 6-month BAS
Most recent 3-month business account statement

Credit History

Default paid up to $500 may be considered

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FAQs

Who is eligible to apply?

Any compliant SMSF with an established corporate trustee can apply. Members must have sufficient income and super contributions to demonstrate loan serviceability.

How is my borrowing capacity assessed?

Lenders assess the income and expenses of your SMSF, including contributions, rental income, and other fund investments, to ensure the loan can be comfortably serviced within the fund.

How do repayments work for an SMSF loan?

All repayments are made directly from the SMSF’s account using the fund’s income sources, such as employer contributions and rental income.

Can I use my super contributions to make loan repayments?

Yes. Employer and personal concessional contributions paid into your SMSF can be used by the fund to meet loan repayments, provided they align with your fund’s investment strategy.

What is a Residential Full Doc SMSF Loan?

A Residential Full Doc SMSF Loan allows your Self-Managed Super Fund to purchase or refinance a residential investment property using full financial documentation, such as tax returns, financial statements, and rental income evidence.

What’s the difference between Alt Doc and Full Doc SMSF loans?

Alt Doc loans are designed for SMSFs where full financial documentation isn’t available, such as those managed by self-employed trustees or small businesses, using alternative income verification instead.

Do Alt Doc SMSF loans still need to meet ATO and SMSF rules?

Yes. Regardless of documentation type, the SMSF must comply with all ATO regulations and maintain an approved structure and investment strategy.

Can my SMSF buy a property that I or my family live in?

No. SMSFs can only purchase or refinance residential investment properties. You, your family, or any related party cannot live in or rent the property from your SMSF.

What ongoing responsibilities will I have as a trustee?

You’ll need to ensure the property remains compliant with SMSF and ATO regulations, maintain proper records, and arrange annual audits of the fund.

Why Choose Brighten?

Superior Product Offering

Comprehensive and competitive Full Doc, Alt Doc, Construction, Bridging loans, available to Prime, Near Prime, Expat, Non-Resident and SMSF borrowers.

Fast turnaround times

Fast SLA supported by our experienced team and a proprietary cloud-based loan origination platform.

Diverse and Resilient Funding

Well-established warehouse-funding arrangements with multiple Top Tier Banks, 3 public RMBS programmes and multiple wholesale credit funds to provide further funding diversification.

Better Service Proposition

Our experienced team are available when you need them to help you navigate your home loan journey.

Trusted Partner

Award-winning non-bank lender with an extensive broker and aggregator network across Australia.

Environmental, Social, and Governance

Good governance, social responsibility and sustainability are key pillars of our culture.

Fees, charges and Terms and Conditions apply. # The comparison rate is based on a secured loan of $150,000 and a term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.