Halo SMSF · Super fund investment loans

Where it fits

SMSFs can't borrow directly — any property purchase needs a Limited Recourse Borrowing Arrangement (LRBA) via a custodian (bare) trust. Halo SMSF is one of the few products that does both residential and commercial, with decision cycles 2-3× faster than the big banks.

Core policy

Metric	Residential	Commercial
Max LVR	70%	65%
Loan cap	$2M	$3M
Max term	30 years	15 years (renewable)
Variable rate	6.99% p.a.	7.24% p.a.
Min SMSF assets	$250k	$500k
Contribution stability	≥ 3 years	≥ 3 years

From Q2 2026, ATO adds LRBA disclosure — Halo auto-generates ATO fields in annual statement.

Sweet-spot scenarios

匿名 Scenario决策时效 · 5d

Profile

Family trust + SMSF · balance $580k · PAYG contrib $50k/yr

Scenario

Sydney inner-west IP $960k, LVR 65% ($624k loan)

结果

Halo SMSF residential approved — $3,600/mo rental covers 95% of servicing

匿名 Scenario决策时效 · 6d

Profile

Business premises · SMSF-held · self-employed couple

Scenario

Melbourne CBD $1.5M retail, client runs clinic on-site

结果

Halo SMSF commercial approved LVR 60%, rent = SMSF passive income

Broker submission notes

SMSF essentials:

• SMSF trust deed + latest update records
• Last 2 years SMSF annual return + auditor report
• Investment strategy (must explicitly permit property + borrowing)
• Bare trust deed (custodian trust) — set up before contract signing
• 3-year contribution history + expected future contribution

Relation to other Halo products

• SMSF cannot use Halo Construction — LRBA forbids substantial asset change
• Commercial property (non-SMSF) can also use Halo Flex