Impact Brokers
SMSF Lending for Residential and Commercial Property
Finance that grows your wealth, protects your future, and aligns with your values
At Impact Brokers, we help Australians use their Self-Managed Super Fund (SMSF) to invest in property in a strategic, ethical and compliant way.
Whether you’re looking to purchase your business premises, secure a commercial investment, or acquire a residential property that fits your SMSF investment strategy, we’ll guide you through the entire process with clarity, care and confidence.
What We Help With
- Commercial property purchases inside SMSFs
Offices, warehouses, medical suites, retail premises and more. - Residential SMSF loans (non-related parties only)
Investment properties that comply with ATO’s arm’s-length and sole purpose tests. - SMSF loan pre-approvals
Understand your borrowing power before you start the property search. - Bare trust structure setup support
We work with your accountant, solicitor or trust provider to ensure correct structuring. - Refinancing existing SMSF loans
Lower rates, better terms, or consolidating multiple properties within the fund.
Why Use an SMSF to Buy Property?
- Diversify your retirement assets
- Retain control over your investments
- Benefit ethically from concessional tax rates inside super
- Lease commercial property back to your own business (when structured correctly)
- Build intergenerational wealth with intention and transparency
Important SMSF Lending Considerations
- You’ll need to have a bare trust and corporate trustee structure in place
- The property must be held for the sole purpose of providing retirement benefits
- You generally can’t live in or rent the residential property to a related party
- Loan-to-value ratios (LVRs) are generally lower than standard loans – most lenders cap it at 70%
- Commercial properties leased to your own business must be on commercial terms with documentation to qualify
Why Work With Impact Brokers?
Specialist SMSF Lending Knowledge
SMSF lending is complex - but we make it simple. We’ve supported dozens of clients to structure finance that meets ATO guidelines and suits their long-term retirement goals.
Aligned With Your Values
We’ll help you choose lenders who align with your ethical preferences - including those that avoid fossil fuels, gambling, or other industries you prefer to steer clear of.
We Speak Fluent Spreadsheets and Human
You’ll understand exactly how the loan works, what the rules are, and how it supports your overall wealth strategy - without the jargon or overwhelm.
We Collaborate With Your Advisory Team
We work closely with your accountant, financial planner and solicitor to ensure your SMSF lending is correctly structured and legally compliant from the start.
Our Process
1. Discovery
We clarify your goals, fund balance, contributions and lending capacity.
2. Structure Review
We check that your SMSF, trustee company and bare trust (if needed) are correctly set up or guide you to professionals who can assist.
3. Lending Strategy
We recommend lenders, loan types and terms based on your goals, ethics and fund position.
3. Approval and Settlement
We manage the end-to-end process - including liaising with accountants, trust deed providers and solicitors - to get you to settlement with confidence.
Tree Planted With Every SMSF Loan Settled
As part of our ESG commitment, we plant a native tree in your name through our partnership with One Tree Planted. It’s our way of honouring your choice to grow wealth sustainably – creating both financial security and a living legacy of your impact.
Let’s Help Your SMSF Grow With Purpose
Whether you’re buying your business premises through your SMSF, investing in property for retirement, or reviewing your current lending, we’re here to help.