SMSF Loans in Adelaide, SA

Self-Managed Super Fund (SMSF) lending allows trustees to borrow money within their SMSF to purchase an investment property — a powerful strategy for building long-term wealth through your superannuation. 99 Express, your trusted SMSF loan specialist in Adelaide, can help you navigate this complex but rewarding area of finance from start to finish.

SMSF property investment requires careful planning and compliance with Australian Taxation Office (ATO) regulations. Our experienced brokers have a deep understanding of SMSF lending rules and work closely with your accountant or financial advisor to ensure your loan structure is compliant, tax-efficient, and aligned with your retirement goals.

SMSF borrowing is governed by strict rules — known as Limited Recourse Borrowing Arrangements (LRBAs). Key requirements include:

• The SMSF must have a compliant trust deed that allows borrowing
• A bare trust (holding trust) must be established to hold the property
• The property must meet the "sole purpose test" — held solely for retirement benefits
• Minimum SMSF balance typically $200,000+
• The fund must be in a healthy financial position to service the loan

Our team works alongside your SMSF accountant and financial planner to ensure every step is done correctly.