Strategic lending to grow your super through property
Velox Capital provides tailored SMSF investment loan solutions to help clients invest in residential or commercial property through their self managed super fund. Whether you are buying your first property within super or growing your SMSF portfolio, we guide you through every step with clarity and confidence.
A SMSF investment loan is different from a standard property loan. It involves specific structures, borrowing limits and compliance rules. At Velox Capital, we work with lenders who specialise in SMSF loans and help you navigate the process from start to finish.
Property remains a popular strategy for SMSF growth, but setting up the right SMSF finance is critical. We structure your SMSF property loan to align with your fund’s trust deed, investment strategy and long term financial goals.
We make it easy for trustees and investors to grow their super with expert guidance, efficient processes and reliable support at every stage of the SMSF investment loan journey.


Why Choose Velox Capital for your SMSF Loan?
- Tailored Loan Structuring
We assess your SMSF’s position and ensure the SMSF investment loan is correctly structured for compliance, tax effectiveness and borrowing strategy. We liaise with your accountant or SMSF administrator to manage the process smoothly. - Fast and Clear Process
We work with lenders who offer competitive SMSF finance and understand superannuation regulations. From loan approval to settlement, we manage all paperwork and coordinate with your legal and fund teams. - Straightforward Advice, Clear Options
We explain how a SMSF investment loan works and what to expect. Whether you are buying residential or commercial property, we guide you through loan terms, trust structures and lender policies in plain language. - Ongoing SMSF Lending Support
Our relationship does not end at settlement. We continue to support you with refinance reviews, additional property planning and future smsf loan strategies.
SMSF Loan Solutions
SMSF Residential Investment Loans
Buy an investment property such as a house, townhouse or apartment through your Self-Managed Super Fund. We help structure the right SMSF investment loan to match your strategy and meet fund rules.
SMSF Commercial Property Loans
Use your SMSF to purchase a commercial building, including offices or warehouses. We offer tailored SMSF property loan options that align with business or investment plans.
Refinancing SMSF Property Loans
Already have a SMSF loan? We help you compare current market options and refinance your existing SMSF investment loan to improve interest rates or support further acquisitions.
Multi Property Planning
If you are planning to purchase again through super, we help map out your future SMSF loan approach. Our strategies are designed to preserve borrowing power and maintain compliance.
What Sets Us Apart
Clients choose Velox Capital for SMSF investment loan support because we deliver clear strategies and dependable service. Here is what differentiates us:
- We simplify SMSF loan documentation and structure
- We coordinate with accountants and fund administrators
- We access lenders who specialise in SMSF fianance
- We offer strategic advice beyond the loan transaction
- We help plan and support long term SMSF investment goals
Our SMSF Finance Process
When you enquire about bridging finance or short-term finance, here is what to expect:
- Initial Review
We understand your fund’s setup, borrowing capacity and goals to recommend the most appropriate SMSF investment loan structure. - Loan Option Review
We provide a clear summary of lender options for your SMSF loan, including terms, interest rates and repayment features. - Application and Settlement
We handle the submission, manage supporting documentation and coordinate with your legal, accounting and SMSF teams for a seamless settlement. - Settlement and Beyond
We remain your ongoing finance partner, ready to assist with future SMSF investment loan reviews, refinances or property expansion.

Frequently Asked Questions - FAQs
A SMSF loan is a borrowing arrangement that allows a self managed super fund to acquire an asset, such as real property, using borrowed funds. The loan must be set up through a limited recourse borrowing arrangement, meaning the lender’s recourse is limited to the asset purchased. Velox Capital helps ensure the loan is structured correctly to meet ATO requirements and fund objectives.
In most cases, SMSF investment loans are used for real property. However, in very limited circumstances and with specialist advice, a fund may invest in other allowable assets. The structure must comply with the superannuation laws, and the investment must meet the sole purpose test.
SMSF loans must be used to purchase a single acquirable asset through a specific structure such as a bare trust. The asset must not be lived in or used by fund members, and the loan must meet strict documentation and legal requirements. Velox Capital works with your accountant or legal adviser to ensure the loan setup is fully compliant.
Yes. If your current SMSF loan is no longer competitive or suited to your fund’s strategy, we can help refinance it. We compare loan options across our panel of SMSF-friendly lenders to improve interest rates, restructure repayments or unlock equity for further investments.
A SMSF loan involves more compliance, different legal structures and a limited recourse borrowing arrangement. Unlike regular loans, SMSF loans require coordination between your lender, legal adviser, and SMSF administrator. Velox Capital manages this process from start to finish.