Liberty supports brokers through SMSF lending
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OVER NEARLY 20 years, self-managed super funds have become a mainstream wealth-building tool.
According to the ATO’s June 2025 quarterly report, there are now over 653,000 SMSFs in Australia. That number has been steadily climbing since 2020 and reflects a broader shift in how Australians are planning for retirement.
Many are seeking greater control over their financial future, and property remains a trusted pathway. With limited recourse borrowing arrangements (LRBAs) ranking in the top five SMSF asset holdings, it’s clear that property investment through super is here to stay.
Liberty group manager – commercial Matthew Heinnen says this trend presents a compelling opportunity for brokers. “With more Australians using their super to invest in property, brokers have a real chance to grow their business and support clients in meaningful ways,” he says.
As one of Australia's leading non-bank lenders, Liberty offers innovative solutions to support customers with greater choice. Over more than 28 years, this free-thinking approach to loan solutions has seen more than 900,000 customers across a wide range of home, car, business and personal loans, as well as SMSF lending and insurance. Liberty remains the only non-bank lender with an investment-grade credit rating offering custom and prime solutions to help more people get financial.
Matthew Heinnen, Liberty
Tapping into a growing market
Brokers who understand SMSF lending are well-positioned to support a growing number of clients looking to take control of their retirement strategies.
Heinnen says future-thinking brokers are continuing to look after customers by ensuring they can provide solutions for all kinds of scenarios.
“SMSF lending is a significant market, and brokers have a key role to play in helping clients navigate it securely,” he says.
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“Liberty helps more people get financial, and residential SuperCredit is a powerful way to help customers invest in their retirement”
Published 17 Nov 2025
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Work with a flexible lender
Engaging with reputable and compliant lenders is crucial to ensuring SMSF trustees meet all the regulatory requirements and secure favourable loan terms.
Liberty’s SuperCredit loan allows established SMSFs to invest in either residential or commercial property by using their super, with LVRs of up to 90% of the property value and no minimum contribution requirements.
“We’ve designed SuperCredit to be flexible and inclusive,” says Heinnen. “Whether it’s a residential or commercial purchase, we want brokers to feel confident offering SMSF solutions that truly meet client needs.”
High-touch broker support As a leading lender that prides itself on tailored finance solutions, Liberty works closely with brokers to help them feel confident in taking SMSF opportunities to clients.
“Our team will happily walk you through the entire loan process to help you achieve a smooth and successful result,” says Heinnen.
This hands-on approach is backed by direct access to Liberty’s dedicated BDMs, located across the country to provide on-the-ground support wherever brokers are based.
Liberty’s underwriting and settlement teams also work closely with brokers to keep things moving, providing the capability and clarity they need to navigate SMSF lending.
Liberty’s commitment to broker support was recently recognised in the Mortgage Professional Australia Brokers on Non-Banks survey, where it ranked in the top three for BDM support, online platform experience and overall service. These results reflect Liberty’s ongoing focus on delivering responsive support that helps brokers succeed.
Supporting a wider range of SMSF borrowers
As residential property becomes a more common asset within SMSFs, brokers have a unique opportunity to add value.
“Specialist solutions like SMSF lending can empower more Australians to achieve their property goals,” says Heinnen. “And brokers who understand the space are in a great position to grow their business while supporting clients’ lending goals.”
Liberty is dedicated to supporting the broker channel to explore opportunities to expand their offering, including SMSF lending. With a clear policy, a strong focus on compliance and support from Liberty, brokers can confidently step into this space and unlock new opportunities for themselves and clients.
“It’s not about being an expert in everything,” says Heinnen. “It’s about knowing who to work with and asking the right questions. The demand for SMSF loans is there, and the Liberty team is here with the expertise to support brokers to help more customers.”
By partnering with a flexible lender like Liberty, brokers can continue to grow their books, strengthen client relationships and tap into a high-value segment.
For more information, visit liberty.com.au/broker or call 13 11 33.
Find out more
A long-term innovator in the LRBA space, Liberty continues to find more ways for brokers to assist clients, including helping borrowers invest in property through their SMSFs.
Delivering more value in SMSF lending
For nearly 15 years, Liberty has continued to refine its SuperCredit product to open more doors for borrowers with SMSF lending. Recent updates include higher loan limits, new 40-year loan terms and increased LVRs of up to 90% for borrowers who want repayment flexibility or to enter the market with less upfront capital.
Heinnen says Liberty’s recent product enhancements are designed to back brokers with practical solutions.
“Liberty helps more people get financial, and residential SuperCredit is a powerful way to help customers invest in their retirement,” he explains. “Our most recent changes could mean SMSF borrowers have more choice with their property investments.”
Demystifying SMSF lending
Despite the opportunities, some brokers remain hesitant to add SMSF loans to their existing offerings.
While SMSF lending is often seen as complex, with strict regulations, unique structures and potentially more moving parts than a standard residential transaction, complexity shouldn’t be a dealbreaker.
“The key is partnering with a lender who knows the space and can guide you through it,” explains Heinnen. “At Liberty, we focus on making the process as clear and straightforward as possible, so brokers can feel confident from the first conversation through to settlement.”
By understanding the nuances of SMSF lending, brokers can position themselves as trusted advisers in a growing segment of the market.
With commercial lending through brokers doubling since 2020, lenders are racing to provide the digital origination tools brokers need to capture growth opportunities
As the SMSF landscape evolves, Liberty is leading the way to help brokers with enhanced lending solutions and hands-on support to help more Australians invest in property.
“It’s not about being an expert in everything. It’s about knowing who to work with and asking the right questions”
Matthew Heinnen, Liberty
Approved applicants only. Lending criteria apply. Liberty Financial Pty Ltd ACN 077 248 983 and Secure Funding Pty Ltd ABN 25 081 982 872 Australian Credit Licence 388133, together trading as Liberty Financial.