Sydney's SMSF Lending Specialist
Sydney investors with $200k+ in super — we help you buy residential property through your SMSF. Access 20+ SMSF loan broker Sydney specialist lenders, competitive rates, and 48-hour pre-approval.
Sydney-Based SMSF Lending Experts
Based at Level 7, 44 Martin Place — we work with Sydney investors every day. Whether you're buying in the Inner West, North Shore, or Eastern Suburbs, we know the market and the lenders who will say yes.
0402 85 22 22 | info@evolutionlending.com.au
Why Sydney Investors Choose Evolution Lending for SMSF Property
We specialise in how SMSF lending works, giving you access to competitive rates and expert guidance every step of the way.
Fast Pre-Approval
Get pre-approved in 48 hours so you can act quickly on investment opportunities with confidence.
20+ Specialist Lenders
Access to network of SMSF-friendly lenders ensures you get competitive rate and terms.
Outcome-Focused
Through strong lender partnerships and specialist SMSF knowledge, we help you secure the right structure, terms, and flexibility for your investment strategy.
Expert SMSF Guidance
We ensure your SMSF lending strategy is set up correctly under current regulations — working with Sydney investors every day to deliver clarity and confidence at every step.
Residential SMSF Loans in Sydney
Sydney's property market is competitive and tightly valued. When purchasing residential property through your SMSF, structuring is everything.
What most lenders will assess:
- › 70–80% maximum LVR
- › Minimum 10% liquidity buffer remaining in your fund after settlement
- › Contributions and rental income shaded at 80%
- › 30-year principal and interest servicing assessment
- › Standard residential security (no development or high-risk stock)
Where Sydney SMSF purchases commonly fall over:
- › Liquidity looks strong before stamp duty — but fails after costs
- › Deposit paid personally instead of from the SMSF
- › Trust deed / investment strategy does not allow borrowing
- › Bare trust established after exchange
- › Stamp duty in NSW must be factored into liquidity planning
Before you commit to a contract, we assess your borrowing capacity, liquidity position, and lender policy fit — so there are no surprises mid-transaction. Our LRBA guide explains the full lending structure, or run a quick deal check here.
Commercial Property Through Your SMSF in Sydney
For business owners, purchasing commercial property through your SMSF can be a powerful long-term strategy — but only if it's structured correctly from the start.
Key compliance requirements:
- › The property must qualify as Business Real Property
- › Lease terms must be at arm's length
- › Rent must reflect market value
- › Liquidity must remain sufficient post-settlement
Typical commercial SMSF lending parameters:
- › 65–75% LVR (some lenders allowing up to 80%)
- › Higher scrutiny of lease and cash flow
- › Stronger liquidity requirements than residential
- › Specialist lender selection required
Many major banks decline commercial SMSF deals due to structure complexity — not because the deal is unworkable. As a specialist SMSF loan broker in Sydney, we structure commercial SMSF loans correctly from the outset, coordinating with your accountant and solicitor before contracts are signed. As a Sydney-based SMSF loan broker, we understand local property conditions, valuation risk, and lender appetite across NSW.
Why SMSF Loan Applications Get Declined
We regularly see trustees approach us after a bank has already said no. In most cases, the transaction wasn't impossible — it was structured incorrectly.
Insufficient liquidity buffer after stamp duty
Trust deed / investment strategy does not explicitly allow borrowing
Bare trust documentation prepared incorrectly
Wrong name on the contract of sale
Insufficient contributions and rental income for loan servicing
Deposit paid outside the SMSF
Specialist structuring is often the difference between approval and decline. We review your position before you sign anything. See our SMSF property case studies to understand what outcomes are achievable.
Get a free pre-assessmentReal Results for Sydney SMSF Investors
See how we've helped Sydney SMSF trustees secure property investments and build long-term wealth for retirement.
Joan's Wetherill Park Commercial Property
Small business owner seeking to diversify SMSF holdings
Joan wanted to purchase a commercial property in Wetherill Park (Sydney's inner west) for her SMSF but was told by her bank that SMSF lending was "too complicated and they no longer do SMSF lending." We secured pre-approval in 48 hours and settlement in 6 weeks with a competitive rate of 7.17%.
"Evolution Lending made what seemed impossible, simple. Their SMSF expertise and lender relationships saved us months of frustration and got us a better rate than we expected."
— Joan T
Stephan's Blacktown Residential Investment Property
Investor seeking to diversify SMSF holdings
Stephan wanted to purchase a residential property in Blacktown for his SMSF and need a pre-approval. We secured pre-approval in 48 hours and settlement in 6 weeks with a competitive rate of 6.99%.
"Evolution Lending did a great job managing the loan process, everything was easy and smooth"
— Stephan J
Your SMSF Property Journey — 4 Simple Steps
Strategy Call (15 Minutes)
Start with clarity.
In a short call, we assess your SMSF position, borrowing capacity, and overall property strategy. You'll walk away knowing what's possible and what needs to be in place. See our SMSF property case studies to understand what outcomes are achievable.
What we cover:
- Review of your SMSF structure
- Discussion around investment goals
- Estimated borrowing capacity
- Overview of LRBA lending requirements
Example: Think of this as your feasibility check before committing time or money to a property search.
48-Hour Pre-Approval
Know your buying power.
We approach 20+ SMSF lenders and identify the right policy fit for your situation — focusing on structure, flexibility, and long-term suitability.
What you receive:
- Tailored lender comparison
- Negotiated terms
- Written pre-approval
- Clear property search parameters
Now you can make offers with confidence, knowing your numbers stack up.
*In some cases, 48-hour pre-approval may not be possible due to lender requirements or application complexity.
Formal Approval Process
We manage the moving parts.
Once you secure a property, we coordinate the application, valuation, and lender requirements — working alongside your accountant and trustee to ensure everything aligns correctly.
We handle:
- Full application submission
- Valuation coordination
- LRBA documentation requirements
- Formal loan approval
You focus on the investment. We manage the process.
Settlement & Ongoing Support
Beyond the transaction.
We coordinate with your solicitor to ensure a smooth settlement. After that, we remain your SMSF lending partner — supporting reviews, refinances, and future acquisitions.
Ongoing support includes:
- Settlement coordination
- Structural alignment check
- Loan strategy reviews
- Planning for your next purchase
The Outcome
A structured, compliant, and strategically aligned SMSF property purchase — handled step-by-step with clarity and confidence.
FAQ – SMSF Loan Broker Sydney
Common questions from Sydney SMSF trustees