Your Super is Working. Is it Working Hard Enough?
Variable Rate from 6.99%
Offset Accounts available on all SMSF Loans
Up to 90% LVR
Residential - one of the highest LVRs available for SMSF lending
From $200K
Minimum loan size for eligible SMSF borrowers
Residential and
Commerical
Investment property and business real property both available
Thousands of Australians are using their self-managed super fund to invest in property – building real, tangible wealth for retirement. We specialise in SMSF loans from $200,000 across both residential and commercial property.
Purchase or Refinance an Investment Property with Your SMSF
Unlock the potential of your self-managed super fund with a competitive SMSF Loan for both property purchases and refinancing existing SMSF loans.
Whether you’re investing in residential or commercial property, or looking to reduce costs and improve your current loan structure, our SMSF Loan offers large loan sizes, interest-only repayment options and a non-transactional sub-account.
Maximise your SMSF investment strategy with a competitive SMSF Loan today.
Ready to get started? Let's talk about your SMSF property Loan
Complete the short form below and a Collective Lending SMSF specialist will be in touch. No obligation, no jargon – just a straight conversation about what’s possible for your fund.
SMSF Loans for
Refinance & Purchase
Variable
SMSF Comm 70
7.59% p.a.
- Borrow Up to 70% LVR
- Non Transactional Offset Available*
- Purchase & Refinance
- Max Loan $2 mil
Variable
SMSF Comm 80
7.79% p.a.
- Borrow Up to 80% LVR
- Non Transactional Offset Available*
- Purchase & Refinance
- Max Loan $2 mil
Fees
Valuation Fee – from $330
Annual Fee – $395
*Non Transactional Offset + 0.10%
Is an SMSF Loan Right For you?
Whether an SMSF Loan is suitable for you will depend on your individual circumstances, financial position and long-term investment goals. Before proceeding, it’s important to consider a range of factors to determine whether borrowing through your SMSF aligns with your overall retirement strategy.
Whether you’re just starting out or ready to move – We work with SMSF trustees at every stage.
You already have an SMSF
You've got super sitting there. Now you want to put it to work in property — not just in shares and cash.
The bank said no
SMSF lending isn't something most banks do well. Collective Lending specialises in it — and we're not a bank.
You're setting up an SMSF to buy property
Not sure where to start? We can talk you through what's required before you purchase.
You want to refinance an existing SMSF loan
Stuck on a rate that no longer works? Let us review what you're currently paying.
It's simple to get a loan with Collective Lending
Apply
Complete an enquiry online or speak with one of our lending specialists. We'll take the time to understand your goals and help identify the right lending solution for your needs
Discuss Your Options
Your dedicated lending specialist will guide you through the available loan options, answer your questions, and help structure a loan that aligns with your financial objectives.
Provide Your Documents
Securely upload your supporting documents, such as identification, income verification and bank statements. Our team will manage the application process and keep you updated every step of the way.
Approval & Settlement
Once approved, we'll coordinate the settlement process and ensure everything runs smoothly.
© Collective Lending Pty Ltd | ABN 28 121 669 618
Australian Credit Licence 386 142