Self Managed Super Fund Loans

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SMSF Loans - FAQ’s

  • SMSF Loans are primarily used for purchasing investment properties. This includes residential properties for rental income or commercial properties. It’s important to ensure these investments align with your fund's strategy and comply with SMSF regulations.

  • Yes, there are certain restrictions. For example, you cannot purchase a residential property with an SMSF Loan if you plan to live in it or rent it to a family member. Our team can provide detailed information on what is permissible under SMSF guidelines.

  • An SMSF Loan can diversify your retirement portfolio, potentially providing a steady income stream through rental properties. It’s a way to leverage your superannuation funds for long-term investment, though it's important to consider the risks and consult a financial advisor.

  • Appointment: Schedule a phone, face to face or video conference appointment with our lending specialist to assess pre-approval for your loan.

    Online Portal: Use our portal to get final approval, mortgage documents, and loan agreement.

    Sign and Return Documents: Sign the documents and return them.

    Switching Lenders: Once done, we handle everything with your current lender, and you stop paying them (if there is a current loan in place).

    Loan Settlement: We estimate the payout costs and settle your loan. Enjoy your new investment and watch it grow!

  • Some documents you’ll need to refinance include:

    1. Your recent Super Fund Statement/s evidencing contributions, cash, investments, rental

    2. Evidence of rental income (if re-financing)

    3. Any previous independent legal/ tax advice

    4. Certified copies of SMSF Trust Deed and Property Trust Deed


    For a full list of documents required, apply now or chat to one of our lending specialists.

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Ready to invest for the future?

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SMSF loan options

Before you apply for an SMSF loan, we recommend talking to a mortgage broker or loan specialist.

Get in touch with us to better understand how a self-managed super fund can work for you.

Shire Business Loans aims to provide excellent service, offering our services free of charge and obligation free.

  • The interest rate on this loan fluctuates with market conditions, potentially offering flexibility in repayments.

  • With a fixed-rate loan, the interest rate is locked in for a specific period, offering certainty in repayments.

  • This loan type allows you to split your loan into multiple portions, some on a fixed rate and others on a variable rate.

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Real Success Stories

  • Building a Secure Future with Smart Investing

    A couple, planning for retirement, used their Self-Managed Super Fund (SMSF) to invest in property. Shire's SMSF Loan helped them purchase a rental property, adding a steady income stream to their retirement funds.

    The guidance provided on regulatory compliance and investment strategies made this a smooth and profitable venture.

  • Manufacturing Success: From Renter to Owner

    The founder of a high-tech manufacturing company was operating in a rented warehouse, which limited expansion and increased expenses due to rising rents. Deciding to invest in the company's future, they obtained a Commercial Property Loan to purchase a strategically located factory.

    Owning the property allowed for customisation and expansion of manufacturing capabilities, turning a recurring expense into a valuable asset, improving cash flow, and laying a foundation for long-term growth and innovation.

  • Equipping Success: A Logistics Company's Journey

    A growing logistics company faced the challenge of expanding its fleet while managing cash flow. The Asset Finance solution provided by Shire enabled the acquisition of state-of-the-art vehicles, enhancing delivery capabilities and efficiency.

    This strategic investment, supported by manageable repayment plans, positioned the company as a leader in logistics services.

  • A Boutique's Journey to Property Ownership

    Co-owners of a thriving fashion boutique were grappling with escalating rent that threatened their profitability.

    They decided to invest in their future by purchasing a storefront in a prime retail location with the help of a Commercial Property Loan. This move not only eliminated their rental expenses but also reduced their operational costs, allowing for reinvestment in the business and growth in customer base and revenue.

  • Construction Firm's Green Initiative

    An eco-friendly construction firm aimed to integrate sustainable technology into their operations.

    Asset Finance from Shire facilitated the purchase of solar-powered equipment, reducing the firm's carbon footprint and operating costs. T

    his move aligned with their green philosophy and attracted new clients interested in sustainable construction.

  • From Shares to Property: A Diversified Portfolio

    A financial advisor recognised the potential in diversifying their investments. Through an SMSF Loan from Shire, they added a commercial property to their portfolio, which was previously dominated by shares.

    This strategic move diversified their investment risks and opened up new avenues for income generation.