Property Investment Through SMSF Loans - Rovo Finance
row your retirement wealth through strategic property investment. Rovo Finance helps you access SMSF loans with expert guidance, lender comparisons, and full support across trust structuring, compliance and settlement.
An SMSF loan allows your self-managed super fund (SMSF) to purchase residential or commercial investment property. These loans operate under a limited recourse borrowing arrangement (LRBA) meaning only the property itself is at risk, not the rest of your super assets.
SMSF loans are tightly regulated and require specific structures, including a bare trust to hold legal title. Loan repayments must come from the SMSF’s income or contributions, and the property must be purchased at arm’s length not from related parties or used by fund members or relatives.
Rovo Finance helps you navigate these rules, compare lenders, and structure your loan to support long-term growth and compliance.
- Grow your retirement savings through property investment
- Access potential tax benefits within your super structure
- Invest in residential or commercial property with long-term returns
- Lease commercial property to your own business (at market rates)
- Diversify your SMSF portfolio beyond shares and cash
Property must be purchased at arm’s length
SMSF members or relatives cannot live in or use the property
Loan repayments must come from SMSF income or contributions
A bare trust must hold legal title to the property
The loan must comply with ATO and superannuation regulations
- Loan terms up to 30 years
- Fixed or variable interest rates
- Interest-only repayment options
- Loan-to-value ratios typically up to 70–80%
- Support for residential and commercial property types
SMSF lending is complex but we make it clear. Rovo Finance provides:
- Access to SMSF-compliant lenders
- Guidance on trust structures and documentation
- Coordination with your accountant or financial adviser
- Transparent advice and full support from application to settlement
We tailor every SMSF loan to your fund’s strategy, helping you invest with confidence and compliance.
Book a consultation or send us a message and Let's explore how your super can work harder. Share your goals and we’ll guide you through every step of your SMSF property investment journey.
FAQs
No. SMSF members or their relatives cannot live in or use the property. It must be held strictly for investment purposes and comply with arm’s length rules.
An LRBA ensures that only the property purchased is at risk if the loan defaults protecting the rest of your SMSF assets. It’s a legal requirement for SMSF property loans.
You will need your SMSF trust deed, bare trust documentation, financial statements, property details and identification. Rovo Finance helps you prepare and submit everything for faster approvals.
Make an Appointment
Shaping tomorrow’s opportunities through confident decisions and smart finance.
