Invest Through Your Super Fund
Self-Managed Super Funds offer a powerful vehicle for property investment. Dahiya Mortgage & Finance specialises in SMSF lending with rates from 6.59% p.a., LVR up to 80–90% for residential and 70–80% for commercial — helping fund trustees purchase investment properties under a fully ATO-compliant Limited Recourse Borrowing Arrangement (LRBA).
Key Benefits
Our SMSF Loans Process
SMSF lending involves strict regulatory requirements under a Limited Recourse Borrowing Arrangement (LRBA). Your SMSF must have a corporate trustee, minimum fund assets of $150k–$300k, and the property must serve the sole purpose test. We work closely with your accountant and financial planner to ensure every aspect is compliant with superannuation law.
We access specialist SMSF lenders like La Trobe, Pepper, Bluestone, and Liberty — comparing variable rates from 6.59% p.a. with interest-only terms up to 5 years. We finance residential houses, units, commercial offices, retail, and industrial properties — including leasing commercial property back to your own business at market rates.
LRBA Structuring
Expert setup of Limited Recourse Borrowing Arrangements — fully compliant with ATO superannuation rules.
Specialist Lender Access
Access to SMSF lenders including La Trobe, Pepper, Bluestone, and Liberty for competitive rates.
Adviser Coordination
We liaise with your accountant and financial planner to ensure full compliance at every step.
All Property Types
Residential, commercial, industrial, and retail properties — including related-party commercial leases.
SMSF Loans Across Melbourne
Frequently Asked Questions
Yes, under an LRBA your SMSF can borrow to purchase a single acquirable asset. Strict ATO rules apply — the property must meet the sole purpose test and cannot be lived in by members or relatives.
Most SMSF lenders require a 20–30% deposit from the fund's existing balance, plus costs for stamp duty, legal fees, bare trust setup, and establishment.
Yes — an SMSF can purchase commercial property and lease it to a related party (your business) at arm's-length market rates. This is one of the key tax advantages of SMSF property investment.
Explore SMSF property investment.
Speak with Sunil Dahiya and the team. No obligations, just honest advice tailored to your situation.