Looking to supercharge your SMSF?
Use the power of your SMSF to invest in property and grow your portfolio for retirement. Your broker and our SMSF lending specialists can guide you through the process of investing in commercial and residential properties with your SMSF.
Loan approved
$500,000
Discover our flexible approach
Keep contributing
Flexible
Asset choices
Fast
About our SMSF loans
- Invest in commercial or residential property or refinance existing limited recourse borrowing arrangements
- Flexible ways to prove Trust income
- No minimum SMSF liquidity requirement
- No high-density restrictions
- Additional SMSF contributions considered
- SMSF lending specialists to guide you through the process
SMSF Loan rates
$1.5 million
80%
5 years
30 years
$3 million
80%
5 years
30 years
To be eligible for a loan with us, you’ll need to be an Australian or New Zealand citizen or permanent resident over the age of 18, and meet other eligibility and approval criteria.
Helpful calculators for SMSF loans
Understanding the financial impact of your new SMSF Property Investment Loan will help you understand your fund’s financial position.
Who can apply for a SMSF Residential or Commercial Property Loan?
- Available to SMSF with a corporate trustee
- Available to both new and established SMSFs
- Servicing considered with both current and proposed contributions
- SMSF must have minimum net assets of $200k (before purchase of refinance)
Your latest market insights
Our curated selection of the latest market insights, guides and tactics to help achieve your property ambitions.
Ready to apply for an SMSF loan?
The next step is a conversation with a broker.
Bluestone works exclusively with accredited mortgage brokers. They’ll help you understand whether a Bluestone loan could be right for your situation, guide you through the process and manage your application from start to finish.
Don’t have a current mortgage broker?
Have Questions?
We’re always here to help! Check out our full list of FAQs or get in touch with our team.
Are SMSF loans investment-only?
Are SMSF loans investment-only?
SMSF lending is strictly for investment purposes. The property must be used to generate retirement income and cannot be occupied by the borrower or a related party.
Can this investment loan be used for rural property?
Can this investment loan be used for rural property?
Our SMSF loan is available for rural residential properties up to 2 hectares. Other criteria may apply, so we recommend speaking to your broker for advice on your eligibility.
What types of properties can be purchased with a SMSF loan?
What types of properties can be purchased with a SMSF loan?
We accept a wide range of both commercial and residential property types.
Is a corporate trustee required?
Is a corporate trustee required?
Yes, a corporate SMSF trustee (non-trading) is required by Bluestone. This helps ensure a clear separation between superannuation assets and personal assets, which is an important part of safeguarding the integrity of the fund.
The Legal Bits
To be eligible for a loan with us, you’ll need to be an Australian or New Zealand citizen or permanent resident over the age of 18, and meet other eligibility and approval criteria. See the relevant Target Market Determination for further details.
1Full Doc Principal and Interest Rates displayed as an example. Rates vary depending on a number of factors including individual credit risk, stability of income, LVR, the length of the term of a loan, the amount borrowed, the purpose of the loan and prevailing market conditions. All interest rates quoted are for new business only, are expressed as a nominal annual percentage rate and are subject to change.
2Comparison rate: Any comparison rate displayed is based on secured credit of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.