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SMSF

Self-Managed Super Fund Lending

Specialist advice.

Compliant structures.

Confident decisions.

At Altus, we provide specialist lending advice for Self-Managed Super Funds (SMSFs), helping trustees and their advisers navigate one of the most complex areas of property finance with clarity and confidence.

SMSF lending is highly regulated and structurally unforgiving. Decisions made early can have long-term implications for compliance, liquidity and retirement outcomes. Our role is to ensure every lending solution is technically sound, commercially appropriate and aligned to the fund’s broader strategy.

We work closely with trustees, accountants, financial advisers and legal professionals to deliver lending structures that stand up to scrutiny — today and over time.

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Our SMSF lending expertise

We support trustees and advisers across a wide range of SMSF lending scenarios, including:

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    Self-managed super fund (SMSF) lending, including compliant property acquisition and loan structuring

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    Residential property finance within SMSFs

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    Commercial property finance within SMSFs, including complex transactions for business owners acquiring premises to operate their own business (Business Owner Occupier transactions)

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    New property acquisitions and refinances

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    Bank and non-bank lender solutions

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    Collaborative lending solutions structured to align with the fund’s broader tax, contribution and retirement strategy in consultation with the client’s accountant and financial adviser

How we help

SMSF lending is not simply about securing finance. It’s about understanding what is permitted, what is appropriate and what is sustainable over the long term.

Our lending specialists guide clients through each stage of the process, providing clear advice and disciplined execution.

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    FOCUS
    ON:

  • Explaining SMSF lending options and constraints in plain English

  • Structuring loans to meet SIS compliance requirements

  • Selecting lenders based on strategy, risk profile and fund objectives

  • Managing interest rate, liquidity and repayment risks

  • Working collaboratively with accountants and financial advisers to ensure the lending structure complements - not compromises - the broader advice strategy

Refinancing SMSF Loans

Refinancing SMSF loans represents a significant and often overlooked opportunity for trustees and referring professionals.

Many trustees are hesitant to review their SMSF lending due to the perceived complexity and administrative burden involved. As a result, funds may remain with legacy lenders or on uncompetitive interest rates.

In some cases, interest savings to the fund can be substantial - often materially higher than savings seen in standard residential refinances.

We regularly assist with:

  • Reviewing existing SMSF loan structures
  • Assessing interest rate competitiveness
  • Managing the refinance process from end to end
  • Coordinating with accountants and administrators to minimise disruption

For accountants and advisers, SMSF refinancing can deliver meaningful value to clients while reinforcing a proactive review approach.

Many trustees are hesitant to review their SMSF lending due to the perceived complexity and administrative burden involved. As a result, funds may remain with legacy lenders or on uncompetitive interest rates. In some cases, interest savings to the fund can be substantial - often materially higher than savings seen in standard residential refinances.

We regularly assist with: Reviewing existing SMSF loan structures Assessing interest rate competitiveness Managing the refinance process from end to end Coordinating with accountants and administrators to minimise disruption For accountants and advisers, SMSF refinancing can deliver meaningful value to clients while reinforcing a proactive review approach.

Why Altus?

Many trustees are hesitant to review their SMSF lending due to the perceived complexity and administrative burden involved.

As a result, funds may remain with legacy lenders or on uncompetitive interest rates.

Clients and advisers value Altus for our:

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    Specialist SMSF lending knowledge

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    Experience in complex commercial and owner-occupier transactions

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    Practical, no-nonsense advice

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    Strong compliance and structuring discipline

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    Focus on long-term outcomes rather than transactions

Who we work with

We work collaboratively with:

  • SMSF trustees
  • Accountants and SMSF administrators
  • Financial advisers
  • Legal advisers
  • Property professionals
  • Business owners acquiring commercial property within their SMSF

Whether you are considering your first SMSF property, acquiring business premises through your fund, or reviewing an existing lending structure, we provide calm, considered guidance at every step.

Many trustees are hesitant to review their SMSF lending due to the perceived complexity and administrative burden involved. As a result, funds may remain with legacy lenders or on uncompetitive interest rates. In some cases, interest savings to the fund can be substantial - often materially higher than savings seen in standard residential refinances.

We regularly assist with: Reviewing existing SMSF loan structures Assessing interest rate competitiveness Managing the refinance process from end to end Coordinating with accountants and administrators to minimise disruption For accountants and advisers, SMSF refinancing can deliver meaningful value to clients while reinforcing a proactive review approach.

Our approach

Every SMSF lending engagement begins with understanding the fund, the trustees and the long-term objective.

We take the time to ensure the lending solution fits technically, commercially and strategically before proceeding. This disciplined approach helps reduce risk, avoid costly errors and support sustainable retirement outcomes.

Talk to our SMSF lending team

If you are considering property within your SMSF - acquiring business premises through your fund — or reviewing an existing lending structure, the Altus Lending Team can help you understand your options and the right path forward.

CONTACT US

Meet the SMSF team

Julie Azzi Julie Azzi

Julie Azzi

Head of Lending

Julie is commited to making sure each client has an SMSF strategy that matches their unique requirements and long-term goals. 

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Connect with Julie

Julie Azzi

Travel Enthusiast

Outside of work, you can find Julie socialising over a glass of wine, exploring the outdoors and planning her next adventure. She enjoys discovering new destinations, trying new foods and experiencing different cultures. 

Ed Barber Ed Barber

Ed Barber

Senior Lending Adviser

With years of experience, Ed works with clients to deliver expert strategies. 

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Ed Barber

Workshop Enthusiast

Outside of work, you will probably find Ed in his garage and workshop. He is a qualified structural steel welder and is generally tinkering with something on his care or working on a project at home.
  • Julie Azzi
  • Ed Barber thumbnail

Julie Azzi

Head of Lending

Julie is committed to making sure each client has a SMSF strategy that matches their unique requirements and their long-term finance goals.

Start a conversation
Connect with Julie

Ed Barber

Senior Lending Adviser

With years of experience, Ed works with clients to deliver expert strategies. 

Start a conversation
Connect with Ed
NICE WORDS. KIND PEOPLE

"Altus guided us through the SMSF lending process with absolute clarity. Every decision was explained, structured properly and aligned to our long-term retirement goals."

 
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© 2022 Altus Financial, All rights reserved.

Altus Wealth Pty Limited ABN 55 649 956 212 is an Authorised Representative of Altus Financial Services Pty Ltd ABN 24 637 026 825 an Australian Financial Services Licensee (AFSL no. 520266). Altus Financial Services Pty Ltd is not responsible for the advice, products and services provided by Altus Accounting. Julie Azzi is a credit representative (CR No. 366834) of BLSSA Pty Ltd ABN 69 117 651 760 (Australian Credit Licence 391237).