SMSF property loans designed exclusively for Australia's medical professionals. Buy your clinic premises, invest in property, and grow long-term wealth β all within a tax-advantaged superannuation structure.
Find out if you qualify for SMSF lending in under 2 minutes
A Self-Managed Super Fund (SMSF) is one of Australia's most powerful wealth-building tools β especially for high-income medical professionals who want more control over their retirement savings.
An SMSF loan β structured as a Limited Recourse Borrowing Arrangement (LRBA) β allows your super fund to borrow money to purchase an investment property. The property is held in a separate trust until the loan is repaid, protecting your other super assets.
Buy investment property or your very own clinic premises inside your SMSF β with all rental income flowing back to your super.
Super tax rates (15% accumulation, 0% in pension phase) mean your property investment grows far more efficiently than outside super.
Limited recourse borrowing means lenders can only claim the single purchased asset β the rest of your SMSF is protected.
Doctors can lease their own clinic from their SMSF at market rate β paying rent to themselves to fund retirement.
Your high income and career longevity make you one of Australia's most attractive borrowers for SMSF lenders. Here's why this strategy works particularly well for medical professionals.
Medical professionals typically earn well above average, enabling larger super contributions and faster accumulation of the fund balance required for SMSF property lending.
Purchasing your clinic or surgery premises through your SMSF means every lease payment you make flows back to your retirement fund β not a landlord's pocket.
Capital gains in super are taxed at just 10% (one-third discount on 15%), and in pension phase β zero. For high-income earners, this is a transformative difference.
Medical professionals face elevated professional liability risk. Superannuation assets are generally protected from personal creditors β making SMSF property a smart protective strategy.
Most super funds default to share-heavy allocations. An SMSF lets you add direct property to your retirement portfolio β a tangible, income-producing asset class you understand.
With ProBiz Finance's panel of 50+ lenders including specialist SMSF lenders, you gain access to competitive LRBA rates and structures simply unavailable through retail banks.
We manage the entire process end-to-end β from initial strategy call to settlement β so you can stay focused on your patients.
Discuss your goals, super balance, and preferred property type with our SMSF specialist.
We coordinate with your accountant to ensure your SMSF trust and bare trust are correctly set up.
We match your file to the best SMSF lender across our 50+ panel β maximising rate and borrowing capacity.
We submit a professionally prepared application and manage all lender communication on your behalf.
We see the deal through to settlement and remain available for future review and refinancing strategy.
We structure SMSF loans to maximise your investment returns and compliance β covering residential and commercial property within a Limited Recourse Borrowing Arrangement.
Finance residential investment properties within your SMSF. Rental income flows directly into your super fund β accelerating your retirement balance.
Buy commercial premises β including your own medical or dental practice β through your SMSF. Your practice pays rent to your super fund at market rates.
All SMSF loans are structured as Limited Recourse Borrowing Arrangements, fully compliant with ATO guidelines and SMSF regulatory requirements.
Access LVRs of up to 70β80% on residential and 65β70% on commercial SMSF properties, depending on lender, property type, and SMSF fund health.
We work directly with your SMSF accountant and trustee to ensure the bare trust, SMSF deed, and lending structure are all aligned before application.
We know which lenders move quickly on medical professional SMSF applications. Get a conditional pre-approval and move with confidence at auction or in negotiations.
Existing SMSF loan with poor terms? We help you refinance into a better structure, rate, or lender β without disrupting your investment or compliance obligations.
One dedicated specialist from first call to settlement. No call centres, no passing between teams. Reach us by phone or WhatsApp β any time.
SMSF lending has specific compliance requirements. Here's what you generally need to qualify β and how we help you get there.
SMSF lending rules can be complex β but that's exactly what we're here for. A 30-minute strategy call with our specialist will give you complete clarity on your eligibility, borrowing capacity, and best next step.
No obligation. No cost. Just clear, expert guidance tailored to medical professionals.
ProBiz Finance made the entire SMSF process seamless. I had no idea I could purchase my own clinic premises through my super β now I pay rent to myself. Genuinely life-changing advice.
As a surgeon with a complex income structure, I'd been turned away twice by banks. Pooja at ProBiz understood exactly how to present my file and had approval within two weeks.
I'd been sitting on a good super balance but didn't know how to put it to work. ProBiz structured an SMSF commercial property investment that's now generating strong returns within super.
Whether you're just exploring SMSF lending for the first time, or ready to move on a specific property β fill in this quick form and our specialist will be in touch within one business day.
Fill in your details β we'll be in touch within 1 business day
Most lenders require your SMSF to have a minimum balance of around $200,000 after the deposit contribution. For commercial property, some lenders set this higher. We'll assess your fund's current balance and advise on the most practical path forward.
Yes β and this is one of the most powerful SMSF strategies for medical professionals. You can purchase commercial premises through your SMSF and lease them back to your practice at market rent. The rent payments build your retirement fund instead of paying an external landlord.
A Limited Recourse Borrowing Arrangement (LRBA) is the legal structure used for all SMSF property loans. The "limited recourse" element means if the SMSF defaults, the lender can only claim the specific property β not other fund assets. This protects your broader superannuation savings.
Yes. The property must be held in a separate bare (custodian) trust until the loan is fully repaid, at which point it transfers to the SMSF. We coordinate with your accountant to ensure this is correctly established before application.
For residential SMSF property, LVRs of up to 70β80% are typically available. For commercial property (including medical practices), most lenders offer 65β70% LVR. Exact terms depend on property type, location, and your SMSF's financial health.
An SMSF can hold multiple properties, however each LRBA can only be used to purchase a single acquirable asset. Once one loan is repaid and the property transfers to the SMSF, you can then pursue another LRBA for an additional property if your fund's balance supports it.
SMSF loans take longer than personal mortgages due to the additional legal documentation required. Typically 4β8 weeks from application to settlement. We work with lenders who are efficient with medical professional SMSF applications and minimise unnecessary delays.
Our SMSF specialists work exclusively with medical professionals. We're happy to answer any questions β no obligation, no pressure.
β οΈ Important: This page provides general information only and does not constitute financial advice. SMSF lending involves significant compliance obligations. Always consult with a licensed financial adviser and your SMSF accountant before proceeding. ProBiz Finance is a credit services intermediary, not a financial planner.
Speak with a ProBiz Finance SMSF specialist today. No obligation, no cost β just clear, expert guidance built specifically for Australia's medical professionals.
Please fill out the form and press the submit button.
We will get back to you within 24 hours.Β
Please feel free to contact us. Weβre super happy to talk to you.
Feel free to ask anything.