{"id":17115,"date":"2025-11-17T11:54:30","date_gmt":"2025-11-17T00:54:30","guid":{"rendered":"https:\/\/brighten.com.au\/media-centre\/how-to-become-an-smsf-super-star\/"},"modified":"2025-11-17T11:57:55","modified_gmt":"2025-11-17T00:57:55","slug":"how-to-become-an-smsf-super-star","status":"publish","type":"media-centre","link":"https:\/\/brighten.com.au\/zh-hant\/media-centre\/how-to-become-an-smsf-super-star\/","title":{"rendered":"How to become an SMSF Super Star"},"content":{"rendered":"\n<p>Publication Date: Monday, 17 November 2025<br><em>This article originally appeared in&nbsp;<a href=\"https:\/\/premium.brokernews.com.au\/au-2025-businessupdate-how-to-become-an-smsf-super-star\/p\/1?utm_campaign=idc&amp;utm_medium=enews&amp;_hsenc=p2ANqtz-_jOiDL_HoBjlXNdvvqcCCCciqdIj4Ap38pMIuq3J2xSX5UvpRyz08JZMy0fZAObrzbuvWLb16el5yfKdDC2P-bVHuSkRFcmXKTZqQvOJckL0HcHkU&amp;_hsmi=390191010&amp;utm_content=KMADV-018352&amp;utm_source=newsletter\">Australian Broker<\/a>.<\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/brighten.com.au\/wp-content\/uploads\/2025\/11\/image-1024x683.png\" alt=\"\" class=\"wp-image-17111\" srcset=\"https:\/\/brighten.com.au\/wp-content\/uploads\/2025\/11\/image-1024x683.png 1024w, https:\/\/brighten.com.au\/wp-content\/uploads\/2025\/11\/image-300x200.png 300w, https:\/\/brighten.com.au\/wp-content\/uploads\/2025\/11\/image-768x512.png 768w, https:\/\/brighten.com.au\/wp-content\/uploads\/2025\/11\/image-1536x1024.png 1536w, https:\/\/brighten.com.au\/wp-content\/uploads\/2025\/11\/image-2048x1365.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>As the $1 trillion self-managed superannuation fund market matures,&nbsp;<strong>Brighten<\/strong>\u2019s new commercial and residential range offers brokers more ways to diversify their client bases and deliver flexible, tailored loan solutions&nbsp;<\/strong><\/p>\n\n\n\n<p><strong>THE WORLD OF SMSFs<\/strong>&nbsp;is changing. &nbsp;<\/p>\n\n\n\n<p>Australia\u2019s 1.2 million SMSF members<sup>1<\/sup>&nbsp;represent an expanding, underserved segment of the market. As the pool of assets continues to grow, the SMSF market is maturing away from short-term speculation and increasingly skewing towards a younger cohort of property investors looking for flexible loan solutions.&nbsp;<\/p>\n\n\n\n<p>While the SMSF landscape has traditionally been dominated by older Australians, there\u2019s been a recent shift towards younger investors, with those aged 35 to 44 accounting for 37% of new SMSF entrants in the June 2025 quarter.<sup>1<\/sup><\/p>\n\n\n\n<p>Brighten is targeting this upcoming generation of investors with its new range of residential and commercial SMSF loans. &nbsp;<\/p>\n\n\n\n<p>The Brighten Super Star\u00ae loans feature competitive full-doc and alt-doc options with LVRs up to 80%, loan sizes up to $3 million and loan terms up to 30 years, with up to five years interest only.<\/p>\n\n\n\n<p>The Brighten Super Star\u00ae range gives brokers more ways to diversify their client bases and deliver tailored solutions to the $1 trillion SMSF market \u2013 $161.9 billion of which was invested in residential and non-residential property in Australia and overseas in the June 2025 quarter, an increase of $3.7 billion, or 2.3%, on March 2024 and a year-on-year increase of $7.7 billion, or 5.0%.<sup>2<\/sup><\/p>\n\n\n\n<p>Brighten head of sales and distribution Chris Meaker says Brighten\u2019s new products reflect the changing nature of the SMSF market.<\/p>\n\n\n\n<p>\u201cWe\u2019ve developed our new Brighten Super Star\u00ae range to provide flexible SMSF lending solutions for customers and brokers, with seamless online applications and approval processes via NextGen\u2019s ApplyOnline\u00ae,\u201d Meaker says.&nbsp;<\/p>\n\n\n\n<p>Brokers new to SMSF lending can face a steep learning curve when it comes to the rules and regulations, which are more complex than your standard residential or commercial loans:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SMSFs need to invest in real estate through a&nbsp;<strong>limited recourse borrowing arrangement<\/strong>&nbsp;(LRBA), which can only be used for a single acquirable property asset<\/li>\n\n\n\n<li>The LRBA needs to be held in a&nbsp;<strong>bare or holding trust&nbsp;<\/strong>and the loan cannot be used to improve, renovate or maintain the property &nbsp;<\/li>\n\n\n\n<li>Members need to be aware of the&nbsp;<strong>sole purpose test<\/strong>, where the property needs to be purchased for the purpose of generating retirement benefits and cannot be lived in or rented by a fund member or related party<\/li>\n\n\n\n<li>And then there are the ATO\u2019s&nbsp;<strong>arm\u2019s length rules<\/strong>&nbsp;around commercial leasing arrangements that apply to SMSF properties&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Brighten\u2019s head of commercial lending Ben Mckell says the leading non-bank lender works closely with brokers to streamline the SMSF lending process and reduce the bureaucratic hurdles for property investors.<\/p>\n\n\n\n<p>\u201cSMSF lending can involve a lot of red tape,\u201d he says. \u201cSo we\u2019ve made the process as easy as possible by removing the barriers for brokers and borrowers.<\/p>\n\n\n\n<p>\u201cWhether it\u2019s LRBAs or trusts, the sole purpose test or arm\u2019s length rules, compliance is key when it comes to SMSF lending. So it pays to get your documentation lined up early as possible to smooth the way.\u201d<\/p>\n\n\n\n<p>Brighten Super Star\u00ae loans provide brokers with different ways to structure loans for borrowers\u2019 varying needs:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Flexible&nbsp;<strong>fund structures<\/strong>&nbsp;\u2013 individual or corporate<\/li>\n\n\n\n<li>Flexible<strong>&nbsp;lending<\/strong>&nbsp;\u2013 purchase or refinance; no loan-tier caps; alt-doc options for self-employed, full-doc with one-year financials for residential, two years for commercial; cat 1 and 2 properties accepted; up to six SMSF members<\/li>\n\n\n\n<li>Flexible&nbsp;<strong>investment strategies<\/strong>&nbsp;for residential and commercial \u2013 specialised securities accepted, such as boarding houses, childcare centres and rooming houses, and no annual reviews required for commercial&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Mckell says the non-bank lender prides itself on being easy to deal with. \u201cSMSF investors are increasingly growing their interest in commercial property, as they seek stability and yield as part of their SMSF investment mix. With our market-leading SLAs, minimal documentation requirements and simple servicing calculator, we\u2019ve made it super easy to service your SMSF clients.<\/p>\n\n\n\n<p>\u201cUnlike some competitors, we accept individual as well as corporate trustees, with no minimum asset test or liquidity requirements.\u201d<\/p>\n\n\n\n<p>Brighten Super Star\u00ae loans are designed to help brokers better support their SMSF clients and grow their businesses, with fully assessed pre-approvals from an onshore credit team in Sydney delivering fast turnaround times, enabled by cutting-edge technology. &nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Seamless online applications,&nbsp;<\/strong>document upload and approval processes via ApplyOnline\u00ae<\/li>\n\n\n\n<li><strong>No minimum asset test<\/strong>&nbsp;or&nbsp;<strong>liquidity<\/strong>&nbsp;requirements<\/li>\n\n\n\n<li>Backed by&nbsp;<strong>competitive rates&nbsp;<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Brighten is also scaling up its SMSF service capabilities by adding specialists to its dedicated team of state-based BDMs, all of whom will be fully skilled up to help brokers diversify into the SMSF market.&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>One-stop shop&nbsp;<\/strong><\/p>\n\n\n\n<p>Meaker says the Brighten Super Star\u00ae range means the non-bank lender now offers a full complement of loans.<\/p>\n\n\n\n<p>\u201cSince launching in 2017, we\u2019ve been continuously building our residential and commercial suite of products,\u201d he says. \u201cWe now offer 15 different types of loan, with our diverse product range meaning we\u2019re becoming a genuine one-stop shop for all brokers\u2019 residential and commercial needs.\u201d<\/p>\n\n\n\n<p>Brighten has recently increased loan sizes by up to $15 million to service the growing demand from high-income earners and property investors.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As the $1 trillion self-managed superannuation fund market matures,\u00a0Brighten\u2019s new commercial and residential range offers brokers more ways to diversify their client bases and deliver flexible, tailored loan solutions\u00a0<\/p>\n","protected":false},"author":1,"featured_media":5640,"menu_order":0,"template":"","meta":{"_acf_changed":false},"categories":[35],"tags":[],"class_list":["post-17115","media-centre","type-media-centre","status-publish","has-post-thumbnail","hentry","category-media-centre-zh-hant"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to become an SMSF Super Star | Brighten<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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