SMSF property is one of the most heavily regulated corners of Australian finance, and there's a clear line between what a mortgage broker can do and what needs a licensed adviser. Knowing the line protects you — and it's why a good broker refers parts of this out rather than doing everything in-house.
What we can do (credit assistance)
- Arrange the SMSF loan (the LRBA) once your fund has decided to buy.
- Explain in general terms how SMSF lending works — LRBAs, bare trusts, LVRs, liquidity buffers, lender criteria.
- Compare and recommend a credit product that suits the fund's situation.
- Coordinate with your adviser, accountant and solicitor through to settlement.
What we can't do
- Recommend that you set up an SMSF, or that you buy property through your SMSF — that's financial product advice, which requires an AFSL.
- Advise on rolling over or withdrawing super, or compare an SMSF to your current fund.
- Provide tax advice — whether SMSF property is "tax-effective" for you, or any tax figures — that's a registered tax agent's job.
Why the "one-stop shop" is a red flag
Regulators (ASIC and the ATO) have repeatedly warned about operators that bundle SMSF setup + a specific property + the loan together. That model creates conflicts and has led to enforcement action. We deliberately keep finance separate and work alongside your independent adviser and accountant — we don't sell you a property or set up your fund.
Who handles what
- Licensed financial adviser (AFSL): whether an SMSF and SMSF property suit you.
- Accountant / registered tax agent: the tax position.
- Solicitor: the bare trust and legal structure.
- Us: the loan.
If your fund has had that advice and is ready to borrow, talk to us about an SMSF loan.