Your Super’s Been Sitting There, Let’s Put It to Work
Your superannuation doesn’t have to quietly compound in a managed fund until you retire. With SMSF lending, you can use your self-managed super fund to invest directly in property — building real retirement wealth, with real assets, on your terms. Your Loan Connect is a specialist SMSF lending broker in Melbourne. We make SMSF loans simple, compliant, and competitive. (That’s genuinely what we do.)
Choose the option that matches your smsf strategy
Explore Our SMSF Lending Solutions
SMSF Residential
Property Loan
Use your SMSF to purchase residential investment properties.
SMSF Commercial
Property Loan
Finance offices, warehouses or retail properties within your fund.
SMSF
Refinancing
Already have an SMSF loan? We’ll check if there’s a better rate available.
SMSF Compliance
Loan
Make sure your loan structure actually meets ATO and legal requirements.
Property finance through SMSF for all types of investors
a Mortgage Broker?
Unlike banks, we compare multiple lenders to find the best loan tailored to your financial situation, ensuring you get better rates, flexible terms, and fewer fees.
Who It’s for?
SMSF Trustees
Looking to diversify beyond shares and managed funds into direct property.
Retirement Planners
Building a property portfolio as part of a long-term retirement income strategy.
Business Owners
Purchasing your own commercial premises through your SMSF - a very common and smart move.
First-Time SMSF Investors
Never done this before? We know the process inside out and guide you fully through it.
Experienced SMSF Investors
Looking to expand or restructure? We know what’s competitive right now.
Developers & Investors
Using super to fund residential or commercial development projects.
Why SMSF Lending (Done Correctly) Is Worth Considering
Your super fund can borrow to buy property, hold the asset, and pay down the loan over time. The tax advantages are real. The wealth-building potential is genuine. The rules, however, are strict.
That’s exactly why you want someone who actually knows SMSF lending inside out - not someone who’s done it once or twice and is figuring it out as they go. We navigate the ATO requirements, source competitive finance, and structure everything to stay compliant from day one.
Grow your super with SMSF lending from Your Loan Connect. Flexible loan options, competitive rates, and expert guidance to help you invest with confidence.
Loan selection &
application process
Fill Steps
Borrower Information:
SMSF Financial & Security Details:
Get Access to Competitive Rates from Leading Lenders
Your Loan Connect compares home loans, investment loans, business loans, commercial finance, asset finance, and personal loans from over 80 lenders and partners across Australia - giving you more options, better rates, and confidence that you’re not just getting whatever the bank decides to offer this month.
Step-by-step process
How It Works
SMSF Loan
Consultation
We review your SMSF structure and investment goals carefully together.
Loan Pre-Approval & Compliance Check
We confirm ATO compliance before proceeding. This step matters a lot.
Property Selection & Application Submission
Once you’ve identified a property, we prep and submit the loan application.
Loan Approval & Property Settlement
We manage approval, settlement, and all the legal and compliance steps.
Ongoing Compliance & Portfolio Growth
We provide ongoing support to keep you compliant and keep the portfolio growing.
What our clients say
Real Stories,
Real Results
Our clients’ success is our greatest achievement. From first-home buyers to business owners, hear how we’ve helped them achieve their dreams.
Nuwan De Silva
IT Professional
at TechSolutions Inc.
Tailored Solutions for My Needs
"Andrew took the the time to understand my personal and business needs, with his expertise he was able to structure a tailor made loan that ticked all the boxes. I had gone to banks directly before, but they were unable to help me. I cannot recommend Your Loan Connecr highly enough, Andrew saw the whole deal through and followed up personally to make sure everything was smooth sailing. Will definitely use his services again when the time comes around!"
Angelo Dewundara
Marketing Manager
at BrightStar Marketing
Fast, Reliable, and Trustworthy
"A big thank you to Andrew for going above and beyond for our first home loan. He was with us every step of the way and made the whole process so smooth. When you're with Andrew for your loans, you already know there is no uncertainty in the loan approval process. He is always available to answer any questions at all hours of the day. He genuinely cares and goes the extra mile to get things done on time. I have no trouble recommending Andrew and referring him onto all my friends and family."
Ashini Perera
Retired Engineer
at N/A
Exceptional Service for Retirement Planning
"My hubby and I have had the pleasure of working with Andrew to secure a home loan and couldn't be more impressed with how proactively Andrew has managed to get this done. He puts so much effort and dedication into working out the best possible rate for clients making the whole experience more personal and seamless for us. I honestly wouldn't trust anyone else to do as good as Andrew has done for us. I cannot recommend Andrew enough, he is well and truly a one-stop shop for all your purchasing needs."
Angelo Dewundara
IT Professional
at TechSolutions Inc.
Tailored Solutions for My Needs
"A big thank you to Andrew for going above and beyond for our first home loan. He was with us every step of the way and made the whole process so smooth. When you're with Andrew for your loans, you already know there is no uncertainty in the loan approval process. He is always available to answer any questions at all hours of the day. He genuinely cares and goes the extra mile to get things done on time. I have no trouble recommending Andrew and referring him onto all my friends and family."
Nuwan De Silva
Marketing Manager
at BrightStar Marketing
Fast, Reliable, and Trustworthy
"Andrew took the the time to understand my personal and business needs, with his expertise he was able to structure a tailor made loan that ticked all the boxes. I had gone to banks directly before, but they were unable to help me. I cannot recommend Your Loan Connecr highly enough, Andrew saw the whole deal through and followed up personally to make sure everything was smooth sailing. Will definitely use his services again when the time comes around!"
Ashini Perera
Retired Engineer
at N/A
Exceptional Service for Retirement Planning
"My hubby and I have had the pleasure of working with Andrew to secure a home loan and couldn't be more impressed with how proactively Andrew has managed to get this done. He puts so much effort and dedication into working out the best possible rate for clients making the whole experience more personal and seamless for us. I honestly wouldn't trust anyone else to do as good as Andrew has done for us. I cannot recommend Andrew enough, he is well and truly a one-stop shop for all your purchasing needs."
Contact us anytime
Book Your Free
Consultation Today
SMSF lending is one area where the cost of getting it wrong is genuinely high. We know the rules, we know the lenders, and we know how to structure loans that stay compliant - so you can focus on building wealth, not worrying about the ATO.
SMSF lending questions, answered
Frequently Asked Questions
Have questions about SMSF lending loans? We’ve got answers! Explore our FAQs to learn more about our loan services, the application process, and how we can help you secure your dream with ease.
Can I live in a property my SMSF buys?
No. Absolutely not. SMSF properties must be investment assets only – not occupied by fund members, related parties, or anyone the ATO would consider related. This is non-negotiable.
How much deposit does an SMSF loan require?
Most lenders require 20–30%. SMSF lending has stricter criteria than standard residential loans. We’ll tell you upfront what to expect.
What properties can an SMSF buy?
Residential investment properties, commercial properties, some industrial or rural properties – provided they fit your SMSF’s investment strategy and comply with ATO guidelines.
Can I refinance an existing SMSF loan?
Yes. If your current rate is no longer competitive (and many aren’t), we can review and switch you to something better – without compromising compliance.
What are the tax benefits?
Rental income and capital gains within a complying SMSF are taxed at concessional rates: 15% in the accumulation phase and 0% in the pension phase. Speak to your financial adviser about your specific situation – and speak to us about structuring the loan correctly.
Your Loan Connect makes SMSF lending simple.
Smart, transparent and tailored lending solutions for property investors using super funds.
