Master Your Super. Maximise Your Leverage.

Secure your financial future by leveraging your super into high-performing property assets with our specialised lending solutions.

Leverage our relationships with 30+ Lenders

Specialist SMSF Advice. Better Loan Outcomes.

Navigate the complexities of borrowing through super with guidance tailored to SMSF property investment.

Specialist SMSF Lending

We connect you with banks and specialist lenders experienced in SMSF property loans.

Access SMSF-Compatible Lenders

Finance structured to meet SMSF lending rules, including bare trust and LRBA requirements.

Compliant Loan Structuring

We work with lenders, accountants, and solicitors to ensure your SMSF purchase runs smoothly.

Coordinated SMSF Transactions

Specialist SMSF Lending

Navigate the complexities of borrowing through super with guidance tailored to SMSF property investment.

Specialist SMSF Advice. Better Loan Outcomes.

Access SMSF-Compatible Lenders

We connect you with banks and specialist lenders experienced in SMSF property loans.

Compliant Loan Structuring

Finance structured to meet SMSF lending rules, including bare trust and LRBA requirements.

Coordinated SMSF Transactions

We work with lenders, accountants, and solicitors to ensure your SMSF purchase runs smoothly.

What you can achieve with Forge in <7 Days

Today

Day 2

Day 7

Get started.

✓ Initial discussion about your SMSF property investment goals

✓ Review of your super fund structure and lending suitability

✓ High-level borrowing capacity and next steps outlined

Get confident.

✓ SMSF lender options compared across our broker panel

✓ Loan structure, deposit requirements, and costs explained

✓ Documentation checklist prepared for the application

Ready to proceed.

✓ Key documents reviewed and packaged for submission

✓ Loan application prepared and submitted to the lender

✓ Next steps coordinated with your accountant and solicitor

*Timeframes may vary depending on document readiness.

Today

Get started.

✓ Initial discussion about your SMSF property investment goals

✓ Review of your super fund structure and lending suitability

✓ High-level borrowing capacity and next steps outlined

Day 2

Get confident.

✓ SMSF lender options compared across our broker panel

✓ Loan structure, deposit requirements, and costs explained

✓ Documentation checklist prepared for the application

*Timeframes may vary depending on document readiness.

Day 5

Ready to proceed.

✓ Key documents reviewed and packaged for submission

✓ Loan application prepared and submitted to the lender

✓ Next steps coordinated with your accountant and solicitor

What you can achieve with Forge in <7 Days

How the SMSF lending process works

Your super should be working as hard as you do. Our streamlined SMSF process removes the complexity, allowing you to leverage your retirement savings into high-performing property assets with total confidence.

  • We begin by aligning your property ambitions with your current superannuation structure. In this phase, we dive deep into your goals to ensure an SMSF loan is the right vehicle for your long-term wealth strategy and that your trust deed is bank-ready.

  • Precision is everything in SMSF lending. We calculate your fund’s exact borrowing capacity and design a custom "Limited Recourse Borrowing Arrangement" (LRBA). This ensures your structure is optimised for both tax efficiency and lender compliance before you ever make an offer.

  • We handle the heavy lifting of the bank’s rigorous credit assessment. From coordinating with your financial advisor and accountant to managing the complex paperwork, we advocate for your fund to secure the most competitive terms available in the specialised SMSF market.

  • Once your property is identified, we manage the specialised valuation process required for SMSF assets. We act as the bridge between your fund and the lender, ensuring the asset meets all strict regulatory requirements and that the security of your investment is protected.

  • The journey doesn’t end at the keys. After a seamless settlement, we provide ongoing monitoring of your loan’s performance. As market conditions and interest rates shift, we proactively renegotiate with your lender to ensure your super continues to work as hard as possible for your future.

Success Built on Better Lending

Don’t just take our word for it. Hear from the homeowners and investors who secured a smarter loan, navigated the market with confidence, and reached their property goals with Forge Financial.

Answers to some of our most frequently asked questions.

  • Yes. A Self-Managed Super Fund (SMSF) can be used to purchase investment property, provided the investment complies with superannuation regulations and is for the sole purpose of providing retirement benefits.

  • An SMSF loan is a loan taken out by a super fund to purchase an investment property.

    These loans are typically structured as limited recourse borrowing arrangements (LRBAs), meaning the lender’s recourse is limited to the asset being financed.

  • Most lenders require a deposit of 20–30% of the property value for SMSF loans. The exact requirement depends on the lender, the property type, and the strength of the SMSF’s financial position.

  • A bare trust is a legal structure used to hold the property on behalf of the SMSF while the loan is in place.

    It is a key requirement of SMSF borrowing arrangements and must be set up correctly to meet regulatory and lender requirements.

  • SMSFs can generally invest in residential and commercial property, provided the property meets superannuation rules.

    Certain restrictions apply, particularly around related-party transactions and use of the property.

  • No. Residential property purchased through an SMSF cannot be lived in or used by fund members or related parties. Commercial property may be leased to a related business under strict conditions.

  • Borrowing capacity is assessed based on factors such as the SMSF’s income, contributions, rental income, expenses, and overall fund balance. Lenders also apply specific SMSF lending criteria.

  • Yes. Rental income generated by the property is typically included when assessing the SMSF’s ability to service the loan, although lenders may apply shading to this income.

  • SMSF loans can take longer than standard home loans due to the additional structures involved.

    Timeframes vary, but the process typically takes several weeks, depending on the lender and how quickly documentation is provided.

  • SMSF lending is more complex than standard home loans, with fewer lenders and stricter requirements.

    A broker helps navigate lender options, structure the loan correctly, and coordinate with your accountant and solicitor throughout the process.

No Pressure. Just Clarity.

There’s no obligation to proceed, no sales tactics, and no rushed decisions.

Just clear advice so you can move forward with confidence.

We’ll review your details and contact you within 1 business day to book a short, no-obligation call.