SMSF Loans
Grow Wealth Through Your Superannuation
Invest Smarter with SMSF Property Lending
At Jump Financing, we help you take control of your future by turning your superannuation into a powerful investment tool. With our tailored SMSF loans in Melbourne, you can use your self-managed super fund to invest in property and work towards long-term wealth creation.
It’s not just about saving for retirement; it’s about building it strategically.
What Is an SMSF Loan?
An SMSF loan allows your self-managed super fund to borrow money to purchase investment property. The asset is held within a trust structure, while rental income and capital growth flow back into your super fund.
This approach gives you greater control over your retirement savings while keeping investment benefits within your SMSF.
Key Features & Benefits
Flexible Investment Options
Use your SMSF to purchase or refinance residential or commercial property.
Loan Structures That Suit You
Choose between fixed or variable rates, with interest-only or principal & interest options.
Higher Borrowing Potential
Access competitive lending structures, typically up to 80% Loan-to-Value Ratio (LVR), depending on the asset type.
Cash Flow Advantages
Offset facilities and repayment flexibility help manage fund liquidity more effectively.
Growth Within Your Super
All rental income and capital gains remain inside your SMSF, supporting long-term retirement wealth.
Who Can Apply?
To access SMSF loans, you must have:
- An established or newly created self-managed super fund
- A compliant trust structure is in place
- A clear investment strategy aligned with superannuation rules
- Sufficient fund liquidity to meet lending requirements
How Much Can You Borrow?
Borrowing limits depend on the property type and lending criteria:
- Residential property: typically up to 75–80% LVR
- Commercial property: generally up to 70% LVR
These limits are designed to maintain compliance while supporting responsible investment growth.
Important Property Rules
SMSF property investments must meet strict regulatory conditions, including:
- The property cannot be purchased from related parties
- It cannot be lived in or rented by fund members or relatives
- It must pass the “sole purpose test” for retirement benefits
Simple SMSF Loan Process
1. Strategy Discussion
We understand your retirement goals and investment plans.
2. Structure & Compliance Check
We ensure your SMSF setup meets all legal and lending requirements.
3. Application Preparation
We organise documentation, including trust deeds and financial records.
4. Lender Submission
We match you with suitable lenders and submit your application.
5. Settlement & Support
Once approved, we coordinate settlement and continue to support your investment journey.
Why Choose Jump Financing?
SMSF Lending Expertise
We specialise in structuring SMSF loans that align with both investment goals and compliance requirements.
Access to Leading Lenders
We compare multiple lenders to find competitive options suited to your fund structure.
Tailored Investment Strategy
Every SMSF is different. We build lending solutions around your long-term wealth objectives.
End-to-End Guidance
From paperwork to approval, we manage the process so you can focus on building your portfolio.
Build Your Retirement Wealth Today
An SMSF property investment can be a powerful step towards financial independence, but it needs the right structure and guidance. We simplify SMSF lending so you can invest confidently, stay compliant, and grow your super with purpose.