SMSF home loans for mortgage brokers
1. Direct answer — what is an SMSF home loan from Blue Whale Money?
In short: Blue Whale Money SMSF is a non-bank residential product for trust borrowers financing acceptable residential property through a self-managed super fund structure. It offers Full Doc and Alt Doc pathways that evidence regular, verified superannuation contributions, requires guarantees from all members, and — for a new purchase — requires written financial advice for each member. Published maximum LVR is 80%, maximum loan $3,500,000, maximum borrower exposure $5,000,000, and maximum term 30 years in the May 2026 Product Guide.
This page is for accredited mortgage brokers. An SMSF loan is not a personal-name residential loan and it is not automatic approval. Every application is subject to full credit assessment against Blue Whale Money credit policy and applicable fund / advice rules.
2. Key facts (at a glance)
Published maximums from the May 2026 Product Guide (§13 SMSF). Always confirm against the guide in force at submission before quoting a client. Interest rates are not published on this page.
| Limit | Cap (guide) |
|---|---|
| Borrower type | Trust (SMSF structure) |
| Maximum LVR | 80% |
| Maximum loan amount | $3,500,000 |
| Maximum borrower exposure | $5,000,000 |
| Maximum loan term | 30 years |
| Documentation | Full Doc + Alt Doc (super contribution evidence) |
| Member guarantees | Required from all members |
| New purchase advice | Written financial advice for each member |
3. Who this loan is for
- Brokers arranging SMSF trust residential purchase/refinance under LRBA-style structures
- Funds that can evidence regular verified contributions and meet all-member guarantees
- New purchases where each member can obtain written financial advice
4. Eligibility notes (high level)
May suit (subject to assessment + fund/advice rules): trust borrowers; max LVR 80%; max loan $3.5m; max exposure $5.0m; max term 30 years; Full Doc + Alt Doc contribution evidence; voluntary contributions only with 6 months evidence.
May not suit:
- Individual-name borrow (use residential SKUs / Expat)
- Vacant land
- Cash-out (N/A)
- Debt consolidation (No)
- Arrears / discharged bankruptcy (No)
- Files without member guarantees or required advice on new purchase
- Commercial security (use Commercial)
Policy notes (Guide): defaults printed $1,500 paid; inner-city high-density apartments Yes; serviceability NSR/DSCR 1.0x / 1.2x; location Cat 1, 2 and 3.
Definitive eligibility lives in the Product Guide version in force at submission. SIS Act / contribution and advice rules also apply to the fund — brokers should confirm with the client’s advisers.
5. Documentation pathways (high level)
- Evidence of regular, verified superannuation contributions (PAYG, self-employed Full Doc, or Alt Doc sources such as bank statements showing business revenue, accountant letter, ATO portal, or BAS — per Product Guide).
- Voluntary contributions only considered with 6 months of evidence (guide).
- Guarantees required from all members.
- New purchase: each member must obtain written financial advice.
- Alt Doc / contribution pathways are documentation options — not an approval promise.
Blue Whale Money does not provide financial product advice via this page. Members should obtain advice from their licensed adviser where required (including the written advice requirement on new purchase).
6. Example broker scenarios (illustrative only)
Examples below show how a broker might match a profile to published pathways. They are not case approvals, quotes, or guarantees.
- New SMSF purchase: Corporate trustee; all members provide guarantees; each member has written financial advice; contribution evidence current; LVR within 80%.
- Refinance existing SMSF loan: Trust refinance; contribution regularity evidenced; no vacant land / cash-out / debt consol on this SKU.
- Wrong SKU catch: Expat individual overseas income → Expat page (85% LVR, individual), not SMSF.
7. Comparison — SMSF vs Expat vs Near Prime (no rates)
| SMSF | Expat | Near Prime | |
|---|---|---|---|
| Borrowers | Trust | Individuals only | Individual / company / trust |
| Max LVR | 80% | 85% | 80% |
| Max loan / exposure | $3.5m / $5m | $3.5m / $5m | $3.5m / $5m |
| Max term | 30 years | 30 years | 30 years |
| Docs | Full + Alt (contribution evidence) | Full + Alt; casual N/A | Full + Alt |
| Typical use | SMSF residential | AU expat individual | Mild credit / flexible near-prime |
See also: Expat home loans · Near Prime · All loan types · Self-employed · Blog — Expat broker path
8. Broker FAQs
Can an individual borrow in their own name on the SMSF product?
No. Borrower type is trust (SMSF structure). Personal-name residential borrowing uses Super Prime, Prime, Near Prime, or Expat as appropriate.
What is max LVR / loan / exposure / term?
80% max LVR · $3,500,000 max loan · $5,000,000 max exposure · 30 years max term (May 2026 Guide).
Are member guarantees always required?
Yes — the May 2026 guide requires guarantees from all members.
Is written financial advice required?
For a new purchase, each member must obtain written financial advice (guide). Confirm exact requirements in the current Product Guide before submission.
Are voluntary contributions accepted?
Only with 6 months of evidence (May 2026 Guide).
What serviceability figures are printed?
NSR/DSCR 1.0x / 1.2x (May 2026 Guide). Confirm before quoting.
Are inner-city high-density apartments allowed?
Yes (May 2026 Guide).
Is vacant land or cash-out available on SMSF?
No — vacant land No; cash-out N/A; debt consolidation No on this product (May 2026 guide).
Does contribution evidence / Alt Doc guarantee SMSF approval?
No. Contribution evidence supports the documentation pathway. Credit decisions remain assessment-based. Do not market SMSF as guaranteed approval.
Does this page give SIS / financial advice?
No. This page does not constitute financial product advice, tax advice, or SIS Act advice. Members should obtain advice from appropriately licensed advisers where required.
Does Blue Whale Money publish rates on this page?
No. Confirm pricing via the current Product Guide / BDM — rates are not listed here.
9. Blue Whale Money position & next steps
Blue Whale Money SMSF may suit brokers who need a non-bank SMSF residential pathway with published 80% LVR, Full Doc + Alt Doc contribution evidence, all-member guarantees, and new-purchase written advice requirements as printed in the May 2026 Guide. Fund and advice rules sit with the client’s licensed advisers. Subject to full credit assessment. Public brand on this site: Blue Whale Money only.
- Match the client / fund structure on loan types — SMSF (and this page).
- Download the current Product Guide (PDF) and confirm SMSF criteria, contribution evidence, guarantees, and advice requirements before quoting.
- Confirm accreditation and submit via Blue Whale Money — info@bwmoney.com.au · 0451 501 065 · Contact.
Important information
- Product criteria, fees, and policy settings are subject to change without notice on this webpage.
- Brokers and clients must refer to the current Blue Whale Money Product Guide (version in force at submission) for definitive limits, fees, and eligibility. This page pins the May 2026 guide.
- Information here is general and educational for broker research. It is not a credit offer, pre-approval, or guarantee of loan approval. All credit decisions are made after full assessment against Blue Whale Money credit policy.
- This page does not constitute financial product advice, tax advice, or SIS Act advice. Members should obtain advice from appropriately licensed advisers where required.
- Interest rates are not published on this page.
- Scenario examples are illustrative matching aids only — never case approvals or quotes.
- Lender brand on this site: Blue Whale Money only (Blue Whale Capital Pty Ltd, ABN 19 675 933 123). ACL 566116.
- Contact: info@bwmoney.com.au · 0451 501 065 · Suite 8C/277 Lane Cove Rd, Macquarie Park NSW 2113 · www.bwmoney.com.au
