Super funds put to good use

It is one of the most common SMSF lending scenarios we arrange for medical professionals. The fund buys the rooms, your practice leases them from the fund at market rent, and the asset sits inside your super rather than on a landlord's books. Whether that structure suits your retirement strategy, your fund and your tax position is a question for your accountant or financial adviser, and we will not pretend otherwise. Once that decision is made, our specialists handle the lending path, which is where SMSF deals most often get stuck.

The fund borrows to buy a single asset, and the lender's recourse is limited to that asset rather than the rest of your super. The property is held in a separate holding trust, known as a bare trust, while there is debt against it, and your accountant or adviser establishes that structure before settlement. Fund members are also typically required to provide personal guarantees. The checks and balances are stringent by design. Our role is to work with you, your accountant and your fund so the lending piece runs seamlessly alongside them, from the first application document to settlement.

It varies more than almost any other type of lending. LVR thresholds are typically more conservative than home lending, with different settings for premises leased to your own practice versus pure investment. Lenders have vastly different SMSF policies on minimum fund size, liquidity buffers and property types, and fewer lenders are active in this space, so lender selection is most of the work. We map your scenario against the lenders who will actually say yes, then confirm the numbers with you and your adviser before anything is lodged.

You and your adviser. Decide whether the SMSF strategy fits your retirement goals. This step comes first, always.
Your accountant or adviser. Establishes the fund and holding trust structure and confirms the tax treatment.
MedX Finance. Arranges the lending only: lender selection across 45+ lenders, structuring, application, and coordination through to settlement.
The lender. Provides a limited recourse loan secured against the single property, not your wider super.
We arrange lending only. Nothing on this page is financial, tax or superannuation advice; speak with your accountant or licensed financial adviser before acting.

Plenty of our clients talk to us long before a loan exists: weighing a practice purchase, planning a fitout, or working out what their career unlocks. That early thinking costs nothing and is some of the most valuable work we do. And when you are ready to move, it runs like this:
1. Today: talk to a specialist. 15 minutes on the property, the fund and where your accountant or adviser is up to. No credit check, no cost.
2. Within 48 hours: your lending strategy. Which lenders are active for your scenario, the structure they will expect, and the questions to take back to your adviser.
3. Application to approval. We package, submit and chase. Timing depends on the lender and the deal, and you will always know where things stand.
4. Approval to settlement. We work alongside your conveyancer and adviser through to settlement, and stay your specialist for what comes next.