SMSF loan Perth
An SMSF commercial property loan is written to a self-managed super fund under a limited recourse borrowing arrangement, and Quantum Finance arranges the lending once your accountant and licensed adviser have confirmed the structure suits the fund.
- Credit written to the trustees of a self-managed super fund.
- Under a limited recourse borrowing arrangement, with a holding trust.
- Your accountant and licensed adviser decide whether it suits the fund.
- Fewer lenders write these, and their requirements differ.
- Years broking
- 21+Years broking
- Loans settled
- $1B+Loans settled
- Credit licence
- ACL 389083Credit licence
- Lenders compared
- 40+Lenders compared
Our awards and recognition
Awarded by the people who see every broker’s numbers
Diamond Club
2026
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2025
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Diamond Club
2024
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Mortgage Broker of the Year
2023/24 — National, highest dollar volume settled
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2021
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2020
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Premium Broker
ANZ
Individual Excellence Award
2016
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PLAN Australia
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Four times
Australian Broker
What our SMSF lending service does
The work on an SMSF commercial property loan, and where it stopsAn SMSF loan is credit written to the trustees of a self-managed super fund so the fund can buy an asset, here commercial property. It is done under a limited recourse borrowing arrangement, with the property held in a separate holding trust until the loan is repaid.
Whether a fund should borrow, and whether a particular property suits it, are superannuation and tax questions for your accountant and licensed financial adviser rather than for a broker.
Nothing here is tax, superannuation or financial advice, and none of it is a recommendation to establish a fund or to borrow through one.
We stay in our lane, and we say so up front
We arrange credit. We do not advise on whether a fund should borrow, whether a property suits its investment strategy, or what any of it does to tax. Those questions belong to your accountant and your licensed financial adviser, and we will not answer them for you.
We find the lenders that still write SMSF loans
Fewer lenders participate in SMSF lending than in ordinary commercial lending, and the ones that do change their appetite from time to time. Knowing who is currently writing them, and on what security, saves a fund from applying to a lender that quietly exited the market.
We collect what an SMSF lender actually asks for
The fund's trust deed, the holding trust deed, financial statements for the fund, member balances as the lender requires them, the contract and the lease. An SMSF file has more moving documents than a standard commercial one, and a missing deed stops the whole thing.
We work to the structure your advisers have set
The borrowing entity, the holding trust, the trustee arrangement and the guarantees are set by your accountant, adviser and solicitor. We take that structure as given and find lenders that accept it, rather than reshaping a fund to suit a lender's preference.
We coordinate the lender, the accountant and the solicitor
An SMSF purchase has more parties than an ordinary one, and each is waiting on a document from another. We keep the sequence moving and make sure the finance clause in the contract reflects how long an SMSF file genuinely takes to assemble.
We diarise the review and expiry dates
SMSF facilities are often reviewed rather than set and forgotten, and the lenders writing them change over time. We track your dates and come back before them, so the fund is never renegotiating a facility under time pressure.
The parts of an SMSF borrowing structure
Six moving parts in an SMSF property purchase, and who signs each one offAn SMSF purchase has more parties and more documents than an ordinary commercial one. The table below names the parts a lender will ask about and the professional responsible for each. Only the credit itself is a broker's work.
- The self-managed super fund
What it is
The borrower, acting through its trustees
Who signs it off
Your accountant and licensed adviser
- The limited recourse borrowing arrangement
What it is
The structure the borrowing is written under
Who signs it off
Your accountant and your solicitor
- The holding trust
What it is
Holds the property until the loan is repaid
Who signs it off
Your solicitor, who usually prepares the deed
- The lender's recourse
What it is
Limited to the asset held under the arrangement
Who signs it off
Confirmed in the facility documents, read with your solicitor
- Member and personal guarantees
What it is
Commonly requested, and the terms vary by lender
Who signs it off
Your solicitor, before anybody signs anything
- The lease over the premises
What it is
Sets the income the fund receives from the property
Who signs it off
Your accountant and adviser, on the terms it must be on
Do not use this table to decide anything. It exists so trustees can see which questions belong to which professional, and take each one to the right person before a lender is approached.
Who an SMSF property loan suits
The trustees we arrange SMSF lending forEvery situation below starts with advice the trustees already have. We arrange the credit after that decision has been made, not before it.
Trustees whose accountant and adviser have already recommended the purchase
Funds buying premises the members' own business will lease and occupy
Trustees replacing an existing SMSF facility with a better structured one
Funds working with an accountant experienced in limited recourse borrowing
Trustees who want the lending arranged around advice they already have
How an SMSF application runs
Five steps, with the deeds and the advisers built into the sequenceAn SMSF application runs through the same five steps as any file we write, with more documents and more parties. The trust deeds and the advisers' sign-off come first, because a lender will not move without them.
Start an application
You send us the basics and we work out what you could borrow and which lenders will look favourably at your situation.
Read this step in full: Start an applicationWhat you need
Income, debts, deposit
Get pre-approved
We put your file to the lender that fits and bring back a pre-approval in writing, subject to lender approval and your circumstances.
Read this step in full: Get pre-approvedWhat we do
Match the lender to your file
Get officially approved
Once your offer is accepted, the lender orders its valuation and issues formal approval.
Read this step in full: Get officially approvedWhat we do
Chase the lender, so you do not have to
Prepare for settlement
We go through the loan documents with you before you sign anything, then coordinate the lender and your settlement agent.
Read this step in full: Prepare for settlementWhat you need
Your questions, asked early
Stay up to date
After settlement we keep the loan under review as rates move and your circumstances change.
Read this step in full: Stay up to dateWhat we do
Review it, and tell you first
Step 1 of 5 · Start an application
About our independent mortgage brokers
The Perth brokers who arrange the lending, not the adviceIndependent means no franchise above us and no lender owning a share of the business. On an SMSF file that independence has a limit worth naming: we arrange credit and nothing else. The superannuation and tax questions sit with your own accountant and licensed adviser, and we compare 40+ lenders for the part that is ours.
Gavin Harrigan has been broking from West Leederville since 2005. Today it runs on a small team, Gavin Harrigan, Justin Richardson and Xavier Prescott, each with their qualifications on the page. You deal with the person who writes your loan, before settlement and after it.
The work runs from a first home loan, through refinancing and investment lending, out to construction, small developments and commercial property. Same broker, whichever end of that you are at.
- VerifiedBroking since 2005
- VerifiedOver $1 billion in loans settled
- VerifiedAustralian Credit Licence 389083
- VerifiedMoneyQuest accredited
- VerifiedMember of the Finance Brokers Association of Australia (FBAA)
- Verified40+ lenders on the panel
Fifteen minutes is usually enough to tell you where you stand. No cost, no obligation, and any lending is subject to approval and your circumstances.
Why choose us for SMSF lending
A shorter list of lenders makes the choice of broker matter moreFewer lenders write SMSF loans than write ordinary commercial ones, and their requirements and appetites move. Every point below is a consequence of how this business is owned, not a slogan about service.
- Included
No franchise, no head office quota
We do not pay a franchise fee, so nobody upstairs sets a monthly target for us to hit. That removes the main reason a broker recommends the wrong loan.
- Included
No lender owns a share of us
The banks have no stake in this business and no claim on where files go. Your bank has one loan to sell you. We do not.
- Included
40+ lenders, one shortlist
We compare 40+ bank and non-bank lenders, then explain why the shortlist looks the way it does. Policy differences decide more applications than rate does.
- Included
We will tell you when the answer is no
If refinancing does not actually save you money, we say so and you leave the loan where it is. A wrong loan costs more than the fee it earns.
- Included
The same broker after settlement
You keep dealing with the person who wrote the loan. We review it as rates and your circumstances change, not once and then never again.
What our clients say
In their words, not oursReviews left by people we have settled loans for, pulled straight from the platform they were written on.
Our SMSF lender panel
Fewer lenders write SMSF loans, so we compare 40+Banks, second-tier banks, and non-bank lenders who write limited recourse borrowing arrangements the majors have stepped back from. MoneyQuest gives us access to the panel. 21+ years across it tells us who is currently writing them.
A selection of the lenders we are accredited with. Ask us who else is on the panel for your situation.
Our commercial finance guides
Commercial lending, explained plainlyHow commercial lending is assessed, and what a credit team is actually looking at. Each one carries a broker's name.
Choosing a broker
What a mortgage broker does
What the job actually involves, who pays for it, and when your own bank is the better call.
Read it: What a mortgage broker does
Investing
Financing an investment property
How lenders read rental income, and how investors fund a deposit from equity.
Read it: Financing an investment property
Development
Funding a property development
How funders read a project, and why the exit is decided before the first drawdown.
Read it: Funding a property development
Commercial
Commercial finance, explained
Why commercial lending is negotiated rather than priced, and what lenders ask for.
Read it: Commercial finance, explained
Meet our Perth commercial finance brokers
You get a broker, not a call centreThree people, all named, all reachable. The person who collects your deeds is the person who deals with the lender and the person who talks to your accountant.
Gavin Harrigan
Managing Director
Broking since 2005, four-time Top 100 broker and a PLAN Australia Hall of Fame member.
- Bachelor of Commerce, Applied Finance and Commercial Law — Curtin University
- Diploma of Finance and Mortgage Broking Management — AAMC Training Group
- PLAN Australia Hall of Fame member
- Elite Broker status
- Top 100 Brokers, four times
Justin Richardson
Loan Consultant
Business and law background, and a habit of making the process feel simple.
- Bachelor of Commerce, Business Law and Marketing — Curtin University
- Bachelor of Laws (in progress) — Murdoch University
Xavier Prescott
Loan Consultant
Fresh qualifications, a competitor's discipline, and a lot of patience.
- Diploma of Finance and Mortgage Broking Management
Common questions about SMSF commercial property loans
What is an SMSF loan?
An SMSF loan is credit written to the trustees of a self-managed super fund so the fund can buy an asset. For property it is done under a limited recourse borrowing arrangement, with the asset held in a separate holding trust until the loan is repaid. The rules are strict.
Can an SMSF borrow to buy commercial property?
Borrowing by a fund is possible under a limited recourse borrowing arrangement, and fewer lenders participate than in ordinary commercial lending. Whether your fund can or should do it is a question for your accountant and licensed financial adviser. We arrange the credit after they have answered it.
Do you advise on whether an SMSF is right for me?
No. We are credit brokers, not accountants or financial advisers, and we do not advise on establishing a fund, on its investment strategy, or on tax. Nothing on this page is a recommendation to set up or borrow through an SMSF. Take those questions to your own advisers.
What is a limited recourse borrowing arrangement?
It is the structure an SMSF property loan is written under. The property sits in a separate holding trust until the loan is repaid, and the lender's recourse is limited to that asset. Your solicitor and accountant set the arrangement up. We work to the structure they establish.
What documents does an SMSF lender ask for?
The fund's trust deed and the holding trust deed, financial statements for the fund, member details as the lender requires them, the contract of sale and the lease over the premises. An SMSF file has more moving documents than a standard commercial one, and a missing deed stops it.
Are personal guarantees required on an SMSF loan?
Lenders commonly ask members for guarantees, and the terms vary between them. A guarantee is a personal obligation that sits outside the fund, so it should be read by your solicitor before anybody signs. We identify what is being asked for in writing before that point.
Can my own business lease the premises the fund buys?
Arrangements of that kind exist, and whether yours is permitted, and on what terms the lease must be, is a superannuation question rather than a lending one. Your accountant and licensed adviser answer it. A lender will want to see the lease as part of the file.
Can an existing SMSF loan be refinanced?
Sometimes, and the pool of lenders is smaller than for ordinary commercial refinancing. The existing structure has to be reviewed by your accountant and solicitor before anything moves, because refinancing a fund's borrowing is not the same exercise as refinancing a business facility.
Related commercial finance we arrange
The other finance a commercial property buyer usually needsTrustees buying commercial premises often hold business borrowing outside the fund as well. If that is the case, it is the same broker and the same conversation.
Commercial Property Loans
Finance secured by an office, warehouse, shop or mixed-use building you buy or already own.
Learn moreabout Commercial Property LoansLow Doc Commercial Loans
For self-employed borrowers and businesses that cannot supply two years of current financials.
Learn moreabout Low Doc Commercial Loans
Private Commercial Loans
Non-bank and private funding secured by property, for what a bank will not write.
Learn moreabout Private Commercial Loans
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Any figures shown are estimates only. Lending is subject to approval, and to the lender's terms, conditions, fees and charges. Consider whether the information is appropriate for you before acting on it.
Get in touch
Talk to us about SMSF lendingFour questions and you are done. A broker reads it, works out which lenders currently write SMSF facilities, and rings you back on the number you give us.
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Ringing is quicker than waiting for us to ring you, and you get a broker rather than a queue.
1300 813 113