1300 677 449

GROW YOUR RETIREMENT WEALTH THROUGH SELF-MANAGED SUPER FUND LENDING

Whether you’re looking to invest in residential or commercial real estate, SMSF lending enables you to use your self-managed super fund to build long-term wealth. Ironbark Group simplify the process, helping you meet compliance requirements, access specialist lenders, and structure loans aligned with your retirement objectives.

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Self-managed super fund lending is a complex area of finance, typically involving Limited Recourse Borrowing Arrangements, strict regulatory frameworks, and careful investment planning. With the right support, you can leverage your superannuation to acquire property assets that generate returns for your future. At Ironbark Group, we help you understand your lending options, connect with suitable financiers, and structure arrangements that work within superannuation law.

WHY CHOOSE IRONBARK GROUP?

We assist property investors, small business owners, and individuals seeking to take control of their retirement planning through SMSF lending.

As a specialist mortgage broker, Ironbark Group:

Explains the unique regulations and obligations that come with self-managed super funds
Assists with structuring Limited Recourse Borrowing Arrangements and bare trust arrangements

Connects you with specialist lenders experienced in SMSF property finance across Australia

Manages complex documentation, compliance checks, and approval processes
Offers continued support if your fund’s strategy evolves or refinancing becomes beneficial

We concentrate on your retirement goals and guide you through each step from initial consultation to settlement.

MAKE YOUR SELF-MANAGED SUPER FUND WORK FOR YOUR FUTURE

Whether you’re purchasing residential property, acquiring commercial premises, or expanding your investment portfolio, Ironbark Group mortgage brokers help you navigate SMSF lending complexities. We connect you with the right lenders, compare loan structures, and build a solution that supports your fund’s long-term investment strategy.

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Frequently Asked Questions

An SMSF loan enables your self-managed super fund to borrow money for property investment using a Limited Recourse Borrowing Arrangement (LRBA).

Property investors, business owners, and individuals with substantial superannuation balances are seeking greater control over their retirement investments.

No. Residential properties acquired through your SMSF must remain investment assets and cannot be occupied by you or related parties. On the other hand, Commercial properties can be purchased to operate your business from.
Both residential and commercial properties can be purchased, although some lenders exclude high-risk assets, vacant land, or properties difficult to sell.
Deposit requirements differ by lender and property type, generally ranging from 20% to 30% for residential and commercial properties.
Yes. SMSF lending typically involves higher interest rates and fees due to the specialised nature and compliance obligations.
Key risks include concentration risk (heavy investment in one asset), regulatory compliance challenges, and liquidity concerns, as your fund needs adequate cash flow for repayments and expenses.

Borrowed funds are generally limited to purchase and essential maintenance only. Major renovations typically aren’t permitted until the loan is fully repaid.

SMSF loans operate under limited recourse, meaning lenders can only claim the property if your fund defaults. However, some lenders may still request personal guarantees.

Ironbark Group mortgage brokers navigate complex regulations, identify appropriate lenders, structure compliant loan arrangements, and provide ongoing guidance to help your SMSF investment succeed.

What Our Clients Say

Trust, reliability and hard work — made everything a breeze.

Trust, reliability and hard work — that was our experience with Ironbark. From home loan to settlement, personal loan and refinancing — everything was a breeze.

Jheinsen Lara

Top-notch communication, efficiency and professionalism.

Excellent from the first phone call! Communication, efficiency and professionalism were top notch — systems and processes were so easy to use.

Linz11 R

Always there to help — day or night.

Ben and Carly have been nothing short of amazing… always there to help no matter the question, day or night.

Rachael Hammermeister

Made buying our first home stress-free and enjoyable.

Thank you Ben and Carly! You made purchasing our first home stress-free and enjoyable — guiding us through every step from the beginning until settlement.

Celeste Velasquez

Professional, patient and supportive through a stressful time.

From start to settlement and continuing on, Carly has been a great help. Professional, patient and understanding during a stressful time.

Luke Mcdonald

Seamless, stress-free and tailored to my needs.

He made the mortgage process seamless, stress-free, and easy to understand, and made sure I got the best possible rates with terms tailored to my needs.

Alicia Fava

Get in touch

Whether it’s home loans, commercial finance, asset finance, or insurance, our team is here to help you make confident decisions. Contact us and discover how we can tailor the right solution for your needs.

PHONE

1300 677 449

POSTAL ADDRESS

PO Box 883, Upper Coomera QLD 4209

UPPER COOMERA

4 Dalton St,
Upper Coomera QLD 4209

SOUTHPORT

Griffith University, Link Building,
5/58 Parklands Dr, Southport QLD 4215

HELENSVALE

15-17 Millennium Circuit,
Helensvale QLD 4212

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