5/5 Reviews
Secure Your SMSF Property Loan with Strategy, Not Just Hope.
Secure Your SMSF Property Loan with Strategy, Not Just Hope.
Access over 40+ lenders for Residential and Commercial SMSF lending. Whether you need Low-Doc solutions or complex structuring, we get the deal done when others can't.
Access over 40+ lenders for Residential and Commercial SMSF lending. Whether you need Low-Doc solutions or complex structuring, we get the deal done when others can't.
500+ SMSF Loans Settled
ATO Compliant Structures
5 Star Google Rating
What You Need to Know
Expertise you can count on to achieve your most
SMSF lending is not like a standard mortgage. The banks have pulled back, compliance rules are strict, and one mistake in your Trust Deed or Custodian structure can trigger ATO penalties or loan decline.
Don’t risk your retirement savings with a generalist broker. At Providence Financial, we specialise in the complexities of Self-Managed Super Fund lending.
Bank & Non-Bank Access
We know exactly which lenders are still funding SMSF deals in 2025.
Bank & Non-Bank Access
We know exactly which lenders are still funding SMSF deals in 2025.
Bank & Non-Bank Access
We know exactly which lenders are still funding SMSF deals in 2025.
Commercial & Residential
From buying your business premises (warehouse/office) to residential investment properties.
Commercial & Residential
From buying your business premises (warehouse/office) to residential investment properties.
Commercial & Residential
From buying your business premises (warehouse/office) to residential investment properties.
Low-Doc Options
Solutions available for self-employed trustees without up-to-date financials.
Low-Doc Options
Solutions available for self-employed trustees without up-to-date financials.
Low-Doc Options
Solutions available for self-employed trustees without up-to-date financials.
Trusted by SMSF Investors
Proven results that speak for themselves
Lenders compared.
Lenders compared.
Lenders compared.
Successful SMSF Customers.
Successful SMSF Customers.
Successful SMSF Customers.
Years Combined Experience.
Years Combined Experience.
Years Combined Experience.
Explains complex matters in a simple way.
Wellson is an outstanding financial adviser... He explains complex financial matters in a clear and simple way, making it easy to make informed decisions. He doesn’t just focus on numbers, but on building long-term financial security.
Arushi Bhatt
Explains complex matters in a simple way.
Wellson is an outstanding financial adviser... He explains complex financial matters in a clear and simple way, making it easy to make informed decisions. He doesn’t just focus on numbers, but on building long-term financial security.
Arushi Bhatt
Explains complex matters in a simple way.
Wellson is an outstanding financial adviser... He explains complex financial matters in a clear and simple way, making it easy to make informed decisions. He doesn’t just focus on numbers, but on building long-term financial security.
Arushi Bhatt
Unmatched knowledge in the domain
Worked with Wellson in devising and realising my financial strategy... His vast knowledge and broad network is unmatched in the domain. I strongly recommend getting in touch if you are planning your next financial step.
Christy Wijaya
Unmatched knowledge in the domain
Worked with Wellson in devising and realising my financial strategy... His vast knowledge and broad network is unmatched in the domain. I strongly recommend getting in touch if you are planning your next financial step.
Christy Wijaya
Unmatched knowledge in the domain
Worked with Wellson in devising and realising my financial strategy... His vast knowledge and broad network is unmatched in the domain. I strongly recommend getting in touch if you are planning your next financial step.
Christy Wijaya
Made us feel like his only customers.
My wife and I secured a new Investment loan through Providence... Wellson made us feel as if we were his only customers. The detailed explanations, the quick response times, and the effort he put in to achieve our goals is truly appreciated.
Greg Rhodes
Made us feel like his only customers.
My wife and I secured a new Investment loan through Providence... Wellson made us feel as if we were his only customers. The detailed explanations, the quick response times, and the effort he put in to achieve our goals is truly appreciated.
Greg Rhodes
Made us feel like his only customers.
My wife and I secured a new Investment loan through Providence... Wellson made us feel as if we were his only customers. The detailed explanations, the quick response times, and the effort he put in to achieve our goals is truly appreciated.
Greg Rhodes
Our Solution
Tailored Lending Solutions for Your Strategy
Commercial Property
LVRs up to 90%
Lease-doc and Low-doc options
Purchase Warehouses, Offices, or Retail spaces
LVRs up to 90%
Lease-doc and Low-doc options
Purchase Warehouses, Offices, or Retail spaces
Residential Investment
LVRs up to 90%
Interest Only terms available.
Single contract or Refinance options.
LVRs up to 90%
Interest Only terms available.
Single contract or Refinance options.
Our Process
From "Enquiry" to "Settlement" in 3 Simple Steps.
01
The Strategy Session
We review your SMSF Trust Deed and financial position to ensure you are borrowing-ready before we apply.
01
The Strategy Session
We review your SMSF Trust Deed and financial position to ensure you are borrowing-ready before we apply.
02
The Lender Match
We compare 40+ lenders to find the rates and terms that maximise your fund's return on investment.
02
The Lender Match
We compare 40+ lenders to find the rates and terms that maximise your fund's return on investment.
03
The Approval
We manage the bank, the solicitors, and the settlement, ensuring full compliance so you can focus on the asset.
03
The Approval
We manage the bank, the solicitors, and the settlement, ensuring full compliance so you can focus on the asset.
Our Team
Meet Your Strategic Advisors
Wellson Sugiarto
Principal
Founder of Providence Financial, Wellson combines personal property development experience with deep lending strategy. He doesn't just find you a loan. He structures your portfolio for long-term wealth.
Wellson Sugiarto
Principal
Founder of Providence Financial, Wellson combines personal property development experience with deep lending strategy. He doesn't just find you a loan. He structures your portfolio for long-term wealth.
Samuel Sun
Senior Investment Specialist
Samuel specialises in crafting smart loan structures for complex portfolios. He is the team's technical lead on borrowing capacity and serviceability, ensuring that your application meets the strict requirements of our 40+ lender panel.
Samuel Sun
Senior Investment Specialist
Samuel specialises in crafting smart loan structures for complex portfolios. He is the team's technical lead on borrowing capacity and serviceability, ensuring that your application meets the strict requirements of our 40+ lender panel.
Don't Let a Bad Loan Structure Limit Your Super
Speak to the SMSF specialists at Providence Financial today.
Don't Let a Bad Loan Structure Limit Your Super
Speak to the SMSF specialists at Providence Financial today.
FAQ's
Addressing your most common questions
How much deposit do I need for an SMSF property?
Generally, lenders require a 20-30% deposit (70-80% LVR) plus stamp duty and costs. This varies depending on whether the security is residential or commercial. During our Feasibility Review, we will confirm exactly how much equity your fund needs to complete the purchase.
Can I get a Low-Doc SMSF loan?
Yes. We have access to specialist lenders who can approve loans based on rental estimates or accountant declarations, rather than requiring full tax returns. This is ideal for self-employed trustees whose financials may not reflect their true serviceability.
My SMSF is brand new. Can I still get a loan?
Yes. You do not need 2 years of SMSF trading history. We work with lenders who assess the loan based on the members' personal income and history, rather than the age of the Super Fund itself.
Can my business rent the commercial property owned by my SMSF?
Yes. This is a popular strategy known as "Business Real Property." Your business pays market-rate rent directly into your Super Fund, effectively turning your business lease expenses into your own retirement savings.
Can I (or my family) live in the residential property I buy?
No. Under the SIS Act, any residential property purchased through an SMSF must be strictly for investment purposes (sole purpose test). You, your family members, or friends cannot live in or rent the property.
How much deposit do I need for an SMSF property?
Generally, lenders require a 20-30% deposit (70-80% LVR) plus stamp duty and costs. This varies depending on whether the security is residential or commercial. During our Feasibility Review, we will confirm exactly how much equity your fund needs to complete the purchase.
Can I get a Low-Doc SMSF loan?
Yes. We have access to specialist lenders who can approve loans based on rental estimates or accountant declarations, rather than requiring full tax returns. This is ideal for self-employed trustees whose financials may not reflect their true serviceability.
My SMSF is brand new. Can I still get a loan?
Yes. You do not need 2 years of SMSF trading history. We work with lenders who assess the loan based on the members' personal income and history, rather than the age of the Super Fund itself.
Can my business rent the commercial property owned by my SMSF?
Yes. This is a popular strategy known as "Business Real Property." Your business pays market-rate rent directly into your Super Fund, effectively turning your business lease expenses into your own retirement savings.
Can I (or my family) live in the residential property I buy?
No. Under the SIS Act, any residential property purchased through an SMSF must be strictly for investment purposes (sole purpose test). You, your family members, or friends cannot live in or rent the property.