SMSF Property Lending
We assist SMSF borrowers with LRBA lending, find specialist lenders, and manage the application process within compliance.
Specialist Support for SMSF and Complex Lending
We understand your situation before identifying the best path forward.
When your borrowing doesn't fit the standard, you need an experienced broker. We assist SMSF borrowers, self-employed applicants, trusts, companies, and those with multiple properties.
Lending Beyond Standard Applications
Complex lending involves non-standard income, trust structures, SMSF borrowing, or previously declined applications. These cases need a knowledgeable broker to present your application accurately.
Talk to a specialist broker
Complex lending situations benefit from early specialist advice. Your first consultation is free and completely confidential.
Lending Situations We Assist With
Self-Employed, Variable Income
We know how lenders assess non-standard income and which approach — standard, low-doc, or alt-doc — best reflects your financial position.
Trust & Company Structures
We help borrowers and advisers navigate assessment criteria and documentation for family trusts, unit trusts, and company borrowing.
Properties and Liabilities
We review the full picture of your debt-to-income position and identify lenders best placed to assess your application in the context of your existing portfolio.
Specialist Lender Access
When mainstream lenders aren't suitable, non-bank lenders can provide options. We connect you with relevant lenders.
Adviser Team Coordination
We work alongside your accountant, solicitor and financial planner to ensure the lending piece aligns with your broader strategy — not separately from the team already supporting you.
WeFinance Works With Your Advisers
In complex lending, good outcomes depend on all parties being aligned. We fit into your existing advisory team rather than working around it.
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Accountant
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Solicitor
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Financial Planner
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Specialist Lender
WeFinance does not provide legal, taxation or financial planning advice. Independent adviser engagement is required for SMSF and other regulated lending structures.
When specialist lending advice can assist
Is This Right for You?
General information only. Complex lending involves a high degree of individual assessment. We will always review your specific situation before identifying any possible approaches.
Considering purchasing property through an SMSF
Self-employed and your income doesn't meet standards
Variable, seasonal or commission-based income
Borrowing through a trust or company structure
Previously declined by a mainstream lender
Holding multiple investment properties
Complex income documentation or overseas income
Collaborate with an accountant on a property strategy
Already been declined by a lender?
A decline from one lender doesn't close all options. Consult a broker to assess your situation first.
How We Approach Complex and SMSF Lending
Four straightforward steps from your first question to settlement.
1
Initial Consultation
A confidential discussion about the borrower, lending purpose, and complexity involved. No obligation to proceed.
2
Structure Assessment
We review your income, ownership structure, commitments, and advice. For SMSF applications, we confirm compliance and engage relevant advisers.
3
Identification of Suitable Lenders
We identify lenders likely to assess your application favourably, including specialists. We present options clearly.
4
Application to Settlement
We manage communication with the lender and support you through each stage to approval.
Lending Needs the Right Advice Early
The way an application is structured and presented can make a significant difference to the outcome. The earlier you speak with an experienced specialist broker, the more options you are likely to have available.