Unlocking Wealth with SMSF Lending at Assetline

In the evolving landscape of property investment, Self-Managed Super Funds (SMSFs) are gaining significant traction … and for good reason. 

They offer greater control, powerful tax advantages and long-term wealth-building potential. 

We know navigating the lending space for SMSFs can feel daunting for brokers, particularly with the complex trust structures and regulatory nuances involved.

That’s where Assetline Capital is making a difference.

We spoke with Royden D’Vaz, Assetlline’s GM - Distribution and Partnerships, who explains what differentiate’s Assetline’s offerings in the SMSF space as well as some real-world use cases.

Why Choose Assetline for SMSF Lending?

At Assetline we’ve designed our SMSF lending product to remove friction and provide flexibility, whether you're a broker new to SMSF lending or a client looking to take control of your retirement wealth.

So, what sets us apart?

1. Outside-Income Servicing Capability

Most lenders restrict serviceability to income generated within the SMSF, typically super contributions and rental income from the property. At Assetline, we offer something unique: the ability to include income from outside the fund, such as a borrower’s PAYG or self-employed earnings.

This means stronger servicing outcomes for clients who may not meet traditional criteria but are still financially capable.

Royden explains what differentiates Assetline’s flexible servicing model:

“We can utilise income outside the SMSF… whatever excess income they have is automatically transferred into the SMSF calculator. 

That’s added to the income, which is very different from other lenders.”

2. Simple, Flexible Documentation

If the SMSF can service the loan using internal contributions and rental income, minimal documentation is required. But if top-up income is needed, we simply apply the same verification process we use for our standard low doc or full doc loans, making the process seamless for brokers and borrowers.

3. Hands-On Broker Support

Our BDMs don’t hand over a servicing calculator to brokers, they guide brokers through the entire process, especially if they’re new to SMSF deals. Once an SMSF trust structure is in place, we ensure each SMSF deal is smooth, clear and successful.

4. Tailored to Growth-Focused Borrowers

Our SMSF lending is ideal for:

• PAYG clients with growing super balances

• Self-employed clients wanting to purchase their business premises via their SMSF

• Investors looking to diversify their retirement strategy by adding residential property to their fund

As Royden puts it:

“The demand for residential properties in SMSFs is just as strong as commercial, and we’ve built a product that makes it simple.

We’re also seeing self-employed borrowers take advantage of SMSF facilities to purchase and occupy their own commercial premises, effectively paying rent for their business premises into their own super fund.”

Real Use Cases

As Royden explained above, whether your client is looking to buy an investment apartment or a they’re a business owner purchasing their premises through their SMSF, Assetline’s structure supports both scenarios (with a key distinction):

• Residential SMSF Lending: Ideal for  everyday investors buying property for rental yield inside their super. Note: The property must remain an investment and cannot be occupied by the trustee.

• Commercial SMSF Lending: Suitable for business owners purchasing their premises through the SMSF. As per SIS Act compliance, they can lease the property back to their own business, effectively paying rent into their own super fund.

New Promotion: Horizon Mortgages for Prime SMSF Borrowers

“For all Prime residential solutions up to 70%, we're pleased to offer reduced rates on already competitive SMSF interest rates.”

To make SMSF lending even more attractive, we’re offering a limited-time promotion through our Horizon Mortgages until 31 March:

• Loan-to-Value Ratios (LVRs) up to 70%

• Interest Rate From: 5.99% p.a.* (Comparison Rate: 6.22% p.a.#)

This offer is tailored for Prime SMSF borrowers with LVRs up to 70%. Already competitive, this rate has been reduced by a further 10 basis points, making it one of the most compelling offers in the market.

If your client has a strong SMSF, solid contributions and wants to build long-term wealth through residential property, there’s no better time to act.

Getting Started: Advice for Brokers

New to SMSF lending? Don’t worry. With Assetline, you’re not alone.

Here’s how to start:

1. Identify clients with high super balances or consistent contributions.

2. Ask the right questions during fact-finding (e.g. “Have you considered managing your own super?”).

3. Partner with accountants and planners to help your client set up the right trust structures.

4. Work with our BDMs for end-to-end support through the loan process.

“It’s just like a normal loan,” says Royden. “The borrower is a structure, that’s the main difference. 

Once you do your first SMSF deal, the rest becomes easy.”

Final Word

With SMSFs growing rapidly across Australia, the opportunity for brokers and investors alike is only getting stronger. 

At Assetline, we’ve simplified the complexity by bringing powerful lending options, transparent support … and now one of the best SMSF residential rates on the market.

The Horizon Mortgages Prime SMSF promotion is available now.

Contact us to learn more.

*Approved applicants only. Terms, conditions, fees and charges apply.
# Comparison rate based on a secured loan of $150,000 over 25 years. Different amounts and terms will result in different comparison rates.