A lending facility for Self Managed Super Funds (SMSF)

SuperGear allows you to select and acquire a beneficial interest in real investment property for your SMSF partly funded by a limited recourse loan. It offers a simple and efficient pre-packaged operating structure designed to comply with superannuation and taxation law that easily integrates with your existing SMSF.

Who is SuperGear available to?

  • A complying SMSF;
  • With at least $200,000 in Net Assets, including the deposit for the proposed investment property being acquired; and
  • Where all SMSF Members must also be in Accumulation not Pension Phase when the SuperGear loan commences.

Features and Benefits

A Simple and Integrated Solution SuperGear offers a simple and integrated financing solution through which a SMSF Trustee can select and acquire a beneficial interest in real investment property partly funded by a limited recourse loan.
Extensive Real Property Investment Options The ability to purchase one or more real property assets including any Residential, Rural or Commercial investment property located within Australia which your SMSF is otherwise permitted to acquire under superannuation law.
Attractive Lending Terms Highly competitive lending rates, loan-to-valuation ratios and extensive lending periods are available giving you a greater opportunity to own and hold the investment property in your SMSF at the end of the loan term.
A Compliant Legal and Tax Structure SuperGear’s compliance with the Superannuation Industry (Supervision) Act 1993 (Cwlth) and Regulations (SIS Act) and the applicable Australian taxation acts has been confirmed to the Commonwealth Bank by independent legal and taxation opinions.
Opportunity to Acquire Better Quality Assets through Gearing The capacity to borrow funds to help acquire investment property for your SMSF gives you the opportunity to purchase higher value and better quality property of your choice, with the potential to derive greater ongoing investment returns.
Opportunity to Diversify Your Investment Portfolio Gives you the opportunity to acquire relatively more expensive real property assets to help balance and extend a more traditional SMSF investment portfolio – for example, cash, fixed income and ASX listed shares.
Opportunity to Accelerate Your Wealth Gives you the opportunity to borrow funds to purchase more valuable investment assets and own them faster and more cost effectively for your SMSF by using the relative taxation and interest savings available to your complying SMSF to pay down the loan and build equity in the asset faster – enabling you to accelerate your wealth and achieve your investment goals sooner.

For more information on our SuperGear offering, please refer to the Product Information Booklet(3.51MB).

You can find application forms and a checklist for Supergear applications here.


  • Important information
    Applications for finance are subject to credit approval. Full terms and conditions will be included in the loan offer. Fees and charges are payable.