SMSF Lending
Invest in Your Future, Compliantly and Confidently
Why Choose Clayton Capital for Your Residential Financing Needs
​100% Success Rate in Securing Lending
We’ve secured funding for every client we’ve represented.
Access to 50+ Lenders Beyond the Big Banks
We leverage a massive panel of traditional, specialist and niche lenders to find your perfect match.
2-Week Turnaround
​Our streamlined process targets formal approvals within 14 days, even for complex applications. like new arrivals to Australia or multi-property refinances.
Partners for the Long Haul
We don’t stop at settlements. We provide ongoing loan reviews and refinancing support to ensure your debt stays optimised.
One Dedicated Point of Contact
You get direct access to our team and real-time updates at every single milestone so you're never left wondering where your application stands.
Our Process
01
Initial Consultation
Understand your financial goals and current circumstances.
02
Research & Recommendations
Compare 50+ lenders to identify the best loan options for you.
03
Application Preparation
Guide you through document collection and prepare your submission.
04
Lender Liaison
Manage lender communication to expedite queries and approvals.
05
Loan Approval & Offer
Present your loan offer with clear explanations of all terms.
06
Settlement Coordination
Ensure a smooth settlement by coordinating all parties involved.
07
Continuous Support
Support you with future loan reviews, refinancing and financial changes.
How You Can Make Informed SMSF Investment Decisions
Ensure Your Trust Deed Allows Property Investment
Not all SMSF trust deeds permit property investment or borrowing. Check yours before you start. If it doesn't, you may need to update it. We can guide you on what lenders and trustees require.
Understand Limited Recourse Borrowing Arrangements (LRBA)
SMSF loans must be structured as LRBAs, meaning the property is held in a separate trust and lender recourse is limited to that asset. We ensure your loan structure is compliant from the start, protecting your other super assets.
Have Your SMSF Financials in Order
Lenders will assess your fund's financial position – recent audited accounts, cash flow and member balances. Keep your SMSF administration up to date and ensure you have sufficient liquidity to cover deposits, stamp duty and ongoing expenses.
Choose the Right Property Type
Residential, commercial and industrial properties all have different lending criteria and investment benefits. We help you assess which property type aligns with your fund's strategy and which lenders offer the best terms for each.
Let Us Navigate SMSF Lenders for You
SMSF lending is a niche market. We know which lenders specialise in super fund loans, their appetite for different property types and how to position your application for success.
