Triple O Finance

Self-Managed Super Fund (SMSF) Loans Made Simple

Competitive Rates | Fast Approval | No Hidden Fees

Invest in Property Using Your Super – With the Right Lending Strategy

Are you considering investing in property through your super? At Triple O Finance, we help professionals like you take control of your retirement strategy through tailored SMSF loan solutions – all with the right compliance support and lender guidance.

Why Choose Triple O Finance for Your SMSF Lending?

Specialists in SMSF Lending

We work with professionals including police officers, doctors, nurses, and business owners who want to grow their super through property investment.

Clear, Step-by-Step Guidance

From structuring your fund to navigating lender criteria, we simplify the complex.

Fast Approval

Enjoy a quick and straightforward approval process, so you can get the capital you need without delay.

End-to-End Support

From pre-approval to settlement and post-loan review, we support you throughout the SMSF property purchase journey.

How Does an SMSF Loan Work?

  • Establish your SMSF
    You’ll need to set up a compliant SMSF and appoint trustees. We’ll connect you with licensed professionals to help.
  • Create a Property Investment Strategy
    Ensure your SMSF’s investment strategy allows for property investment.
  • Set Up a Bare Trust (Holding Trust)
    The property will be purchased under a separate legal entity to meet LRBA requirements.
  • Apply for SMSF Loan Pre-Approval
    We’ll assess your SMSF’s financials and match you with a lender that understands SMSF borrowing rules.
  • Property Purchase & Settlement
    Once approved, your SMSF can purchase the property using a combination of super funds and borrowed funds.

SMSF Loan Features We Can Help With

  • Residential and commercial SMSF loans
  • Variable and fixed rates
  • Offset account options (limited availability)
  • Loan terms up to 30 years
  • Minimum deposits starting from 20–30% of the property value
  • Fast approvals with specialist lenders

Who Is Eligible for an SMSF Loan?

To qualify for an SMSF loan, you typically need:

  • A compliant SMSF structure
  • A clear investment strategy
  • Enough super balance for the deposit, costs, and liquidity buffer
  • Strong SMSF income or contribution history
  • Clean credit record and strong servicing position (based on rental and SMSF income)

Things to Consider Before Getting an SMSF Loan

  • You can’t live in the property if it’s residential
  • All costs must come from the SMSF
  • The setup process involves legal and accounting structures
  • Refinancing options are more limited than traditional loans
  • You must comply with ATO rules and SMSF regulations

Let’s Help You Invest Through Your Super – The Right Way

Whether you're just exploring the idea or ready to apply for an SMSF loan, we’ll walk you through every step. Triple O Finance is here to simplify the process, ensure compliance, and help you grow your retirement wealth.

Book a Free SMSF Lending Consultation Want to know how much your SMSF can borrow? Click below to speak to an expert or get started with pre-approval.

What our customer have to say

Andrew B

We can not thank the Triple 0 finance team enough for their help in securing our dream home. Special shout out to Nish and Ash for their dedication, open communication and support throughout the loan application process. From day one, we knew we were in safe hands. Every time we raised a concern, they had a solution. Nish and Ash made the whole process run smoothly and secured us a fantastic rate considering the current climate. Thanks guys!

Sammy Crypto

We found Ash and Triple O Finance Team through an online platform.
Ash set up an interview with me and obtained all our financial requirements and objectives.
The Initial application was for refinance of our family home for a better interest rate and some debt consolidation. Ash and his Team reviewed our application and provided us with a very competitive interest rate along with the cash back offer.

Anup Das

We recently worked with Triple O Finance for our mortgage needs and what a pleasure it was. Nishant is highly knowledgeable and guided us flawlessly throughout the process. During our initial call he was meticulously prepared and clearly understood our requirements. He walked us through all the options with a clear thought process and helped us choose the best option for our needs.

Mustafa AMIRI

I recently had the pleasure of working with Nishant and Jill from Triple O Finance to purchase my house, and I couldn’t be happier with the experience. Nishant went above and beyond to ensure a smooth and successful transaction.

Tejaswini teju

By our personal experience, we highly recommend Triple 0 Finance for all your loan and financial needs. Nishant and their team are exceptionally knowledgeable and adept in their fields, offering a wide range of the latest financial products. From the moment we reached out to Nishant Ramavat at Triple O Finance, his proactive and genuine guidance has continuously impressed me. Without Nishant’s assistance, obtaining a home loan and taking a step closer to realizing our dreams would have been much more challenging. Thank you so much Nishant – Manoj & Tejaswini from N.T

Prasvin Pandey

I have had the pleasure of working with Triple O finance since a few years. Ash and Jill have always provided a top-notch service. I have recommended them to a few of my family and friends, and they have been very happy with the service as well.

Phillip Hausfeld

Happy with the service although settlement short falls need to be better anticipated/managed and better awareness of Bank Holidays when requesting attendance to bank branches to make payments. This unplanned activity was quite disruptive to my day as I was with clients, fortunately my manager was able to cover for me to some extent.

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