SMSF property loans designed exclusively for Australia’s medical professionals. Purchase your own practice premises, invest in property, and build retirement wealth in a tax-advantaged super structure — with up to 90% LVR via a Limited Recourse Borrowing Arrangement.
Your practice generates strong, consistent income. Every month you lease your clinic, a substantial portion flows to your landlord. As a medical professional, you have access to SMSF lending that lets you pay rent to your own super fund — most practitioners simply don’t know it yet.
Super tax rates (15% accumulation, 0% in pension phase) mean your SMSF property investment grows far more efficiently than the same asset held outside super.
Purchase your own clinic or surgery through your SMSF and pay market rent back to your own fund — building equity and retirement wealth with every payment. (Indicative; subject to SMSF compliance rules.)
Some lenders offer up to 90% LVR for owner-occupied healthcare premises under a Limited Recourse Borrowing Arrangement. (Indicative — confirm with us.)
Tell us about your practice, super balance, and property goal. We assess your SMSF’s borrowing capacity and which lenders suit your profile — no cost, no obligation.
We map the right LRBA structure, bare trust setup, and lender — coordinating with your SMSF accountant and trustee to ensure compliance before any application is lodged.
We lodge your application with the specialist SMSF lender, manage queries, and keep you informed — without disrupting your clinical schedule.
We coordinate formal approval, valuation, legal review, and any conditions — so you can focus on patients while the finance progresses.
Your SMSF owns the property. You pay rent to your fund at market rate. We remain your finance partner as your super portfolio grows.
“High-income medical professionals are perfectly positioned for SMSF property lending — yet most have never been shown how it works. That’s the conversation I love having.” — Pooja Choudhary
All SMSF property loans are structured as LRBAs — ATO-compliant borrowing where only the purchased asset is at risk, protecting your remaining super. We coordinate the bare trust structure with your advisors.
Purchase your clinic, surgery, or consulting rooms through your SMSF. Your practice pays market-rate rent to your super fund — deductible to the practice, tax-advantaged in the fund.
Some specialist lenders offer up to 90% LVR for owner-occupied healthcare premises and up to 70% for commercial investment property through an SMSF LRBA. (Indicative; lender-specific.)
We work alongside your SMSF accountant, financial adviser, and trustee from strategy through settlement — ensuring the bare trust, deed, and lending structure are all correctly aligned.
All figures are indicative and lender-specific. Confirm parameters with Probiz Finance before making any decisions.
| Parameter | SMSF Owner-Occupied Practice | SMSF Commercial Investment |
|---|---|---|
| Maximum LVR | Up to 90% | Up to 70% |
| LMI Required? | N/A to SMSF structure | N/A to SMSF structure |
| Maximum Loan Term | Up to 25–30 years | Up to 25 years |
| Interest-Only Period | Up to 5 years | Up to 5 years |
| Rate Types Available | Fixed / Variable | Fixed / Variable |
| Bare Trust Required | Yes We coordinate | Yes We coordinate |
| Related-Party Lease Permitted | Yes — Business Real Property at market rent | Yes — Business Real Property at market rent |
Your Self-Managed Super Fund is the borrower and beneficial owner of the property. The fund must have a compliant trust deed and an investment strategy that permits property purchase. We check this before lodging any application.
Under LRBA rules, 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 its establishment with your solicitor and SMSF accountant.
Your practice entity (company, trust, or personally) leases the property from your SMSF at market rate. Rent is deductible to your practice and assessable to the fund at the concessional super tax rate.
The loan must meet ATO safe harbour guidelines or be on arm’s-length terms. We ensure the structure, rate, and documentation meet these requirements — reducing audit risk and protecting your fund.
High-income medical professionals are uniquely positioned for SMSF property lending. You pay rent to your own fund at market rate, deductible from your practice. Capital growth and rental income accumulate in a concessionally taxed environment. We coordinate the LRBA structure with your accountant and trustee — start to finish.
No credit checks at this stage. No obligation. Just a straight read on your fund’s eligibility, borrowing capacity, and best structure — usually within 24 hours.
SMSF lending involves layers most brokers don’t navigate well — bare trust setup, ATO compliance, lender-specific LRBA policies, and how to present a medical professional’s income structure. Pooja built her career inside NAB and ANZ assessing exactly these files. That institutional knowledge is what she applies to every SMSF healthcare property deal we structure.
One conversation maps 50+ lenders’ appetite for your specific SMSF situation — and tells you clearly what’s achievable before you go anywhere near a bank.
“Pooja walked us through the entire SMSF structure step by step. I had no idea I could purchase my own clinic through my super. We now pay rent to ourselves and the whole process was seamless.”
“We’d been turned down by two banks before Pooja found us a specialist SMSF lender who understood our partnership structure. The loan came through in weeks. Very professional and transparent throughout.”
“As a surgeon with a complex income mix, I assumed SMSF commercial property would be too complicated. Pooja coordinated with my accountant seamlessly and we settled with no stress. Genuinely life-changing strategy.”
Most lenders require your SMSF to hold a minimum balance of around $200,000 after contributing the deposit. For commercial property, some lenders set this threshold higher. We’ll assess your fund’s current position and advise on the most practical path forward — including whether your balance needs building before a purchase is viable.
Yes — and for medical professionals this is one of the most powerful uses of SMSF. Purchasing your clinic or surgery as “business real property” through your SMSF and leasing it back to your practice at market rent is explicitly permitted under SIS legislation. Your practice gets a deductible rent expense; your SMSF accumulates the income at concessional tax rates. We coordinate the LRBA, bare trust, and compliance requirements end-to-end.
A Limited Recourse Borrowing Arrangement is the only legal mechanism through which an SMSF can borrow to buy a property. The “limited recourse” element is critical — if the fund ever defaulted, the lender can only claim the specific property purchased, not the rest of your super assets. The property is held in a separate bare trust until the loan is repaid in full.
Yes — a bare (custodian) trust must be established to hold the property during the loan term. We coordinate this with your SMSF accountant and solicitor before lodging the application. Getting this right from the start avoids costly rework and ensures lender compliance from day one.
This is precisely where specialist medical broking matters. Standard lenders often struggle with complex healthcare income structures. The specialist SMSF lenders on our panel understand that mixed billing percentages, associate arrangements, and locum income are normal features of medical practice. We build your application to address this proactively, rather than leaving it to a generic credit policy.
SMSF loans take longer than standard property loans due to the additional legal documentation required — typically 4–8 weeks from application to settlement. We work with lenders who move efficiently on medical professional SMSF applications and minimise avoidable delays. We’ll give you a realistic timeline once we’ve assessed your situation.
Our broker service is free to you. Lenders pay a fee upon successful settlement. There is no cost for the initial consultation, SMSF assessment, or lender comparison — regardless of whether you proceed. Any lender fees, valuation costs, or legal costs (including the bare trust) are separate and disclosed fully before you commit to anything.
No credit checks at this stage, no obligation. Tell us about your practice, SMSF balance, and property goal — and we’ll come back within one business day with a clear picture of what’s achievable.
No cost, no obligation, no cookie-cutter advice — just a real conversation about what’s achievable for your specific SMSF and property goal. Book a strategy session with Pooja.
Please feel free to contact us. We’re super happy to talk to you.
Feel free to ask anything.