Sydney's SMSF Lending Specialist
SMSF Loan Broker in Sydney
We help Sydney investors with $200k+ in super buy residential property through their SMSF — with access to 20+ specialist lenders and 48-hour pre-approval.
Level 7, 44 Martin Place, Sydney NSW 2000 | 0402 85 22 22
SMSF Property Lending in Sydney — Done Properly
Most banks have pulled out of SMSF lending. The ones still in the market have strict criteria, slow processes, and limited product options. That's where we come in.
As a dedicated SMSF mortgage broker in Sydney, we work exclusively with lenders who understand SMSF borrowing — giving you access to competitive rates, flexible structures, and a broker who knows the compliance requirements inside out.
Whether you're looking to buy property through your SMSF in Sydney for the first time, or you've been knocked back by your bank, we can help you find the right lender and structure the deal correctly from day one.
Who this is for:
- ✓ SMSF with $200,000+ in super
- ✓ Looking to buy residential property in Sydney or NSW
- ✓ Want to understand your borrowing capacity before committing
- ✓ Been told "no" by your bank or another broker
How SMSF Property Lending Works in Sydney
The structure behind every SMSF property purchase is called a Limited Recourse Borrowing Arrangement (LRBA). Here's how it works in plain English.
Your SMSF provides the deposit
Typically 20–30% of the purchase price, plus stamp duty and costs. The funds must come from within the SMSF — not from personal savings.
A bare trust holds the property
The property is held in a separate bare trust (custodian trust) until the loan is fully repaid — this is the "limited recourse" protection.
The SMSF services the loan
Repayments come from super contributions and rental income. The lender can only claim the property — not other SMSF assets — if things go wrong.
Title transfers on payoff
Once the loan is repaid, the property title transfers directly into the SMSF — held in a tax-advantaged environment for retirement.
What Sydney SMSF Lenders Look For
SMSF lending criteria is stricter than standard home loans. Here's what lenders assess — and how we help you meet it.
| What lenders check | Typical requirement | How we help |
|---|---|---|
| Fund balance | $200,000+ in super | Pre-screen before applying |
| Servicing | Contributions + rent cover P&I at stress rate | Run servicing calc upfront — use our Quick Deal Check |
| LVR | Max 80% residential | Match to right lender for your LVR |
| SMSF structure | Compliant trust deed, bare trust in place | Coordinate with your solicitor and accountant |
| Property type | Residential — standard construction, metro location | Identify lender appetite for your specific property |
Why Sydney Investors Choose Evolution Lending
We're not a generalist broker who dabbles in SMSF. This is all we do — and it shows.
Specialist SMSF lenders
We work with lenders who actively want SMSF business — not the ones who've quietly stopped accepting applications.
Pre-approval turnaround
Sydney's property market moves fast. We get you pre-approved quickly so you can bid with confidence.
Relationship-first advice
We tell you the truth about your deal before you apply — including if it's not the right time. No wasted applications, no credit hits.
SMSF Property Investment in Sydney — What You Need to Know
Sydney's property market is one of the most competitive in Australia. For SMSF investors, that means higher purchase prices, tighter servicing ratios, and a greater need to get the structure right from the start.
The most common mistake we see with SMSF property lending in Sydney is trustees trying to buy a property their fund can't comfortably service. The stress test rate (your actual rate + 3%) means a $1.2M Sydney property at 80% LVR needs strong contribution income to pass — not just rental yield.
Our SMSF Quick Deal Check calculator lets you run the numbers in 2 minutes before speaking to anyone. It's built on the same servicing logic lenders use — so you'll know where you stand before you apply.
When you're ready to move forward, we handle everything: lender selection, application, coordination with your SMSF accountant and solicitor, and settlement. You focus on finding the right property — we handle the finance.
Not sure if your SMSF can borrow?
Run our free SMSF Quick Deal Check — enter your fund balance, purchase price, and income. Get an instant indicative result in under 2 minutes.
Ready to Talk to Sydney's SMSF Lending Specialist?
Book a free 30-minute strategy call. We'll review your fund, run the numbers, and tell you exactly where you stand — no obligation.
Level 7, 44 Martin Place, Sydney NSW 2000 | 0402 85 22 22 | info@evolutionlending.com.au