SMSF lending has stricter rules than standard property finance, and not every lender offers it, so getting the structure right from the start matters.
Meet Mel and the Zest team, who've helped hundreds of clients finance property through their self-managed super fund.
SMSF lending has stricter rules than standard property finance, and not every lender offers it. Loan-to-value ratios, trust deed requirements and compliance rules vary between the lenders that do, so getting the structure right from the start matters.
We compare 60+ lenders to find one that fits your fund, and we work through the lending requirements with you step by step. We are based in Springfield and help clients across Springfield and Ipswich.
At Zest Mortgage Solutions, we believe buying property through your SMSF should be just as simple as any other purchase. Here are a few recent Zest Google reviews we think you'll love!
A quick chat with Mel & the team works out whether your SMSF is in a position to borrow and what a repayment could look like. No cost, no obligation.
Loan-to-value ratios, trust deed requirements and compliance rules vary between lenders offering SMSF loans. We compare across 60+ to find one that fits your fund.
Once approved, we work with your accountant or financial adviser and the lender to make sure the loan is set up correctly within your fund structure.
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An SMSF loan suits trustees of a self-managed super fund who want to buy property within super, either residential investment property or commercial premises for their business. These loans have strict rules, so they're best arranged alongside advice from your accountant or financial adviser. For property outside super, see our property investor loans page.
Every lender is different, so we'll confirm the exact list for your situation before you apply.
We work with SMSF trustees across Springfield and Ipswich buying both local residential property and commercial premises. Getting the structure right before signing a contract is critical, as mistakes can be costly to fix.
Want to talk it through? Book a free chat with Mel and the Zest team, or call (07) 3461 6499.
Zest Mortgage Solutions helps Springfield and Ipswich trustees compare SMSF property loans across our panel of 60+ lenders, working alongside your accountant or financial adviser. Only some lenders offer SMSF loans, and their deposit, fee and property rules differ, so comparing them early saves time. Mel and the team are based at Brookwater.
No. Residential property owned by an SMSF can't be lived in or rented by members or related parties.
Yes, business real property can be leased to a related business at market rent, subject to super rules.
Yes. We arrange the loan, but you should get advice from your accountant or financial adviser about whether it suits your fund.
Borrowed funds generally can't be used to improve the property, though repairs and maintenance are treated differently. Check with your adviser.
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"Thank-you! As first home owners we were very unsure of the process. However, from our very first encounter with Mel, we felt comfortable and certain that we had chosen the right broker for us. Ashleigh helped us through the application process and was always prompt with emails/ phone calls and more than willing to answer our questions. You guys truly are amazing 🤩"
"Thanks to the fantastic team at Zest Mortgage Solutions. They made an incredibly complex business investment purchase extremely easy for us and kept us up to date with the process as it moved forward. I would highly recommend them and will be utilising their services in the future."
"Mel and the team have been amazing throughout the entire process. We were constantly informed and nothing was too difficult. It really couldn't have been a better experience. We would highly recommend Zest Mortgage Solutions!"
"Mel and the team at Zest Mortgage Solutions make the process of buying a house easy, there was always someone there to assist or answer questions - even during the festive season 😊 thanks team, 💯 recommend"
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"As a single mother, I never thought in a million years I could own my own home. Melissa and her team made the process so easy and stress free. I can’t thank them enough for making my dreams come true. No question was to dumb and they never made me feel like I was bothering them with all my calls for clarification! Would 10/10 recommend them to anyone looking to purchase a house."
