SMSF loans tailored to your long-term goals
Investing in property through a self-managed super fund (SMSF) can be a powerful way to grow your retirement savings and strengthen your long-term financial position. However, SMSF lending is complex and can feel overwhelming if you haven’t navigated it before. With our extensive knowledge of the Australian lending environment and strong relationships across a wide range of lenders, we provide tailored SMSF loan solutions aligned to your long-term goals.
At Build & Protect Financial Services, we understand that no two financial situations are the same. Our experienced brokers specialise in SMSF lending and offer personalised guidance throughout the process, helping you structure your investment correctly while ensuring compliance and clarity at every step.
What are SMSF loans?
An SMSF loan, commonly structured as a limited recourse borrowing arrangement (LRBA), allows your self-managed super fund to borrow money to purchase property or other approved assets. This strategy can help diversify your portfolio and potentially accelerate retirement savings growth.
By leveraging superannuation funds to invest in property, you may benefit from long-term capital growth, while rental income can assist with covering loan repayments and related costs. However, SMSF lending comes with strict regulatory and compliance requirements, which is why working with experienced professionals is essential to ensure the structure aligns with both legal obligations and your broader financial strategy.
Our step-by-step process
Initial consultation
We begin with a consultation to understand your financial position, investment objectives, and risk tolerance. We also review your existing SMSF structure and highlight any compliance considerations that may impact your lending strategy.
Loan options and recommendations
With a clear understanding of your circumstances, we assess suitable SMSF loan options across our lender panel, including specialist providers. We explain the available structures and features so you can make informed decisions aligned with your long-term goals.
Loan application and approval
Once the right SMSF loan solution is selected, we manage the full application process on your behalf. We prepare and submit all required documentation, liaise directly with the lender, and keep you informed throughout the approval stage.
Settlement and ongoing support
After approval, we guide you through settlement, ensuring legal and compliance requirements are met. We remain available to support you beyond settlement as your SMSF and investment strategy evolve.
Why choose us
We understand that every investor has unique goals, risk profiles, and financial circumstances. That’s why we take the time to assess your individual situation and investment strategy before recommending loan solutions aligned with your objectives. With strong relationships across a diverse panel of lenders, including major banks, non-bank lenders, and specialist investment providers, we can source competitive loan products and negotiate favourable terms on your behalf.
Our team specialises in investment lending and stays up to date with market trends, regulations, and product changes. This expertise allows us to navigate the complexities of investment finance confidently while delivering tailored solutions. From paperwork through to lender negotiations, we manage the process efficiently, ensuring your experience is seamless and stress-free.
Our services
Property Wealth Strategy & Finance Plan
Your end-to-end finance strategy for a property portfolio that scales. We structure and sequence your borrowing around your goal, so each purchase strengthens the next instead of capping your capacity, turning a strong income into lasting wealth.
Rapid Mortgage Elimination Strategy
A structured plan to clear your home loan years ahead of schedule, built around a mortgage-free date you set. We reshape your lending and cash flow to get there faster, while protecting the borrowing power you'll need for your next move.
Strategic Diagnostic
A data-driven 60-minute assessment and personalised 4-page strategic report. We start with your goal, then diagnose the gap between where you stand today and where you want to be, including what's quietly holding your borrowing power and portfolio back. You leave with the finance strategy, structure and opportunities mapped to close it.
Residential Home Loans
Specialised residential loan services that are tailored to your unique situation and goals
Investment Loans
Access a wide range of features and benefits on your property investment journey.
Refinance
Save money, access equity and loan features to help you reach your goals sooner.
Pre-approval loans
Buy with confidence and show sellers you’re serious and financially capable.
Commercial Property Loans
Finance for commercial property purchases and refinancing, arranged through our trusted commercial finance partners.
Car loans
Secure the right finance for you no matter what type of car you are buying, whether its for personal or business use.