SMSF Home Loans
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Kangaroo Finance & Mortgage > SMSF Home Loans
📈 Start Investing with Confidence
With the right structure and expert advice, your SMSF can be a powerful property investor. Contact Kangaroo Finance & Mortgage today to explore SMSF lending the right way.
Grow Your Super by Investing in Property the Smart Way
Buying property through your Self-Managed Super Fund (SMSF) can be a powerful way to grow your retirement wealth — but it requires expert structuring, compliance, and lender selection. At Kangaroo Finance & Mortgage, we specialise in SMSF home loan solutions tailored to the unique requirements of trustees and members. We work alongside your accountant and financial planner to ensure a seamless lending experience that aligns with your fund’s investment strategy.
✅ Why Choose Us for SMSF Loans?
- Access to SMSF-compliant lenders
- Support for residential and commercial property
- Loan structures tailored to trust requirements
- Expert guidance on documentation and compliance
- Support with bare trusts, custodians, and legal setup
- Streamlined communication with your professional team
👤 Who Is This For?
- Trustees looking to diversify into property
- SMSFs with sufficient fund balance and contribution flow
- Funds purchasing residential or commercial investment property
- Experienced investors seeking long-term tax-effective returns
📋 Our SMSF Lending Process
- Initial Consultation – We assess your SMSF’s financial position and investment strategy.
- SMSF Loan Pre-Assessment – We outline borrowing capacity and eligible lenders.
- Structure & Documentation Support – We guide the setup of your bare trust and ensure all legal components are lender-compliant.
- Loan Submission & Approval – We handle the full loan application, liaise with solicitors and accountants, and manage compliance with lending rules.
- Settlement & Compliance Review – We finalise the process with lender coordination, ensuring ATO and lender requirements are fully met.
💬 SMSF Loan FAQs
Your SMSF can purchase residential or commercial investment property, but not your own home or any property to be lived in by a fund member or relative.
Generally, SMSFs can borrow up to 70–80% of the property value, depending on the lender and property type.
Yes, but only non-structural improvements are allowed while the property is under finance. All activity must comply with SMSF regulations.
Yes — a bare trust (also called a holding trust) is required to legally separate the SMSF from the borrowing arrangement. We can work with your solicitor or assist in arranging this.
Comprehensive financial solutions tailored to your needs
🏡 Buy a First Home
"Buying your first home? We’ll guide you from pre-approval to settlement with tailored loan options, competitive rates, and personal support every step of the way. Your homeownership journey starts here."
🔁 Refinance My Existing Home Loan
"Refinancing can help you reduce repayments, switch lenders, or unlock equity. We make the process simple, fast, and stress-free with expert advice and access to over 30 lenders."
🏘️ Buy Multiple Investment Properties
"Take your investment journey further with smart, scalable finance. We help you unlock equity, structure your loans for growth, and build wealth through strategic property lending."
💰 Unlock My Equity
"Need funds for renovations, investments or major life goals? Unlock the equity in your home with flexible finance solutions tailored to your needs, all guided by our expert team."
🏢 Commercial Loans
"Grow your business with tailored commercial finance. Whether it’s property, equipment or expansion, we’ll help you find the right loan structure to power your next move."
🏦 SMSF Home Loans
"Invest in property through your super with confidence. Our SMSF home loan solutions ensure full compliance, competitive terms, and expert support from setup to settlement."
Customer experiences with us
"I refinanced with Kangaroo Finance and saved over $300 a month. The team handled everything efficiently and clearly explained my options. They were professional, responsive, and genuinely cared about getting me the best outcome. I wish I’d done this sooner!"
Liam T
IT Consultant
"We used Kangaroo Finance to access equity for home renovations. Sofia explained the process clearly and got us a great deal. The entire experience was stress-free and fast. We’re now renovating our dream kitchen — couldn’t have done it without their support!"
Melissa H
Marketing Manager
"Thanks to Kangaroo Finance, I’ve now added my third investment property. Their knowledge of complex loan structuring and equity access is outstanding. They helped me grow my portfolio without overextending. A perfect broker for anyone serious about property investing."
Rohan K.
Property Investor
"Kangaroo Finance made buying our first home feel easy. Sofia walked us through everything, answered all our questions, and got us an amazing loan rate. We were nervous at first, but they made us feel completely confident. Highly recommend them to any first-time buyers!"
Samantha J
Registered Nurse
"Buying property through our SMSF seemed complex, but the team at Kangaroo Finance made it straightforward. They liaised with our accountant and helped us stay compliant. Great service and expert advice. Highly recommended for SMSF property purchases!"
George N
Business Owner
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