01·Residential
Resi
Residential SMSF loans
Buy investment properties as a trustee of your own fund with specialised SMSF residential lending.
Learn more
Strategic SMSF
lending, Melbourne.
Using a Self-Managed Super Fund loan can open the door to diversification, allowing you to invest in assets that align with your retirement goals. Our strategists simplify the complexities of Limited Recourse Borrowing Arrangements (LRBAs) to help you secure the right residential or commercial terms.
- Residential & commercial SMSF property loans
- Clear LRBA compliance guidance
- Coordinated support with your accountant & planner
Response within 3-5 business days
01 / 04
Team Cutter & Co
20+ Years
Experience
Award-winning
Team
98%
Loan approvals
Tailored
Borrowing solutions
Strategic
Financial advice
Why SMSF Trustees Trust Us
Award-winning, and
always on your side.
[ 01 ]
Hall of Fame
Bankwest Broker Awards · 2026
[ 03 ]
LRBA compliance
Clear guidance at every step
[ 04 ]
20+
Years experience
SMSF lending in Melbourne
[ 05 ]
$0
No cost to you
We are paid by lenders, not by you
Analysis
Does this
sound familiar?
You want to use your super to invest in property but the LRBA rules and compliance requirements feel overwhelming.
You're unsure whether residential or commercial SMSF property is the right fit for your fund's investment strategy.
You need a lender who understands SMSF structures but your current bank doesn't offer specialised super fund lending.
[ 01 ] Unlock your super
Your super's
investment potential.
In 2026, self-managed super funds are a primary vehicle for Australians looking to build long-term wealth through property. An SMSF loan allows you to move beyond traditional shares and cash, adding high-value real estate to your retirement nest egg. We work in conjunction with your accountant and financial planner to ensure your lending strategy is seamlessly integrated with your overall financial plan.
Chantal Cutter
Founder & Strategic Director
How We Help
Here's how
Cutter & Co helps.
Specialised SMSF structures for residential and commercial property with full compliance guidance.
[ 01 ]
Residential SMSF lending.
Access financing options designed to help you buy investment properties as a trustee of your own fund, maximising your long-term growth potential.
[ 02 ]
Commercial property strategy.
Purchase your own business premises through your SMSF. This allows your business to pay rent into your super, creating a tax-effective wealth strategy.
[ 03 ]
Coordinated expert support.
We work in conjunction with your accountant and financial planner to ensure your lending strategy is seamlessly integrated with your overall financial plan.
[ 02 ] Strategic reasons
Four pillars of
SMSF lending.
Every fund is different. We blend residential, commercial, refinancing, and compliance expertise to fit your retirement strategy.
02·Commercial
Comm
Commercial property strategy
Purchase your business premises through your SMSF so your business pays rent into your super.
Learn more
03·Refinance
Refi
Expert SMSF refinancing
We evaluate your current super loans to ensure you're not missing out on more competitive options.
Learn more
04·Compliance
LRBA
Clear compliance guidance
Our strategists have a clear understanding of SMSF lending rules, ensuring your strategy meets all legislative requirements.
Learn more
[ 03 ] Roadmap
Your roadmap to
lending success.
Six deliberate steps engineered around the way you actually live, earn, and plan.
- Step01
First strategy session – 15 minutes
Our team takes the time to understand your current financial position, future goals, and long-term objectives so we can provide the right lending strategy and guidance for you and your family - because the right strategy makes all the difference.
- Step02
Eligibility assessment
We conduct a comprehensive assessment of your financial position, goals, and lending needs to provide tailored recommendations based on current lender policies and market research. By considering your income structure, lending requirements, and available rate discounts, we help match you with the lender and loan solution best suited to your circumstances.
- Step03
Submission to the bank
We take the stress out of the lending process by managing everything on your behalf and working closely with the banks to ensure your application is assessed correctly from the start. Our team advocates for you behind the scenes to achieve the fastest possible pre-approval or formal approval turnaround, allowing you to focus on the exciting next steps with confidence and peace of mind.
- Step04
Pre-approval or approval
Our team has a strong background in credit assessment, giving us the expertise to structure applications strategically and achieve the best possible outcomes for our clients. By working closely with lender credit teams throughout the process, we help secure smooth approvals and faster turnaround times for you.
- Step05
Settlement
We make every stage of the process as seamless and stress-free as possible by providing a clear funding breakdown for your refinance or purchase, so you know exactly where you stand leading into settlement. We also manage the discharge process, coordinate with your solicitor or conveyancer, and handle the communication with the lender - allowing you to relax while we take care of everything behind the scenes until the moment we can say, “Congratulations, your loan has settled.”
- Step06
Ongoing support
You’ll be supported by a mortgage and finance firm built entirely around people, not numbers. Our focus is always client-first - guiding and supporting you through every stage of your journey, from exciting milestones to times of uncertainty. We’re here to help protect what matters most to your family while ensuring your lending remains competitive, with the best possible rates and solutions available to you at every stage of life.
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Award-winning team · Melbourne
The Cutter & Co team
Melbourne
[ 04 ] Your strategist
Your SMSF journey,
backed by an award-winning team.
“Turn your super into a high-performing property asset. Whether you are purchasing your first residential investment or a new commercial headquarters, we provide the strategic guidance to make it happen.”
2026
Hall of Fame
80+
5-Star reviews
MFAA
Accredited
Our Partners
Accredited Across 40+
Leading Lenders
Google · 5.0
[ 05 ] Reviews
Client reviews on our SMSF lending.
“Chantal and her team were professional, friendly, and incredibly helpful in navigating our SMSF property purchase. Their expertise in compliance and lender selection was invaluable.”
Laura & Joey S
Verified Client
“The level of service, attention to detail and positive attitude has been consistent every time. If you're looking for a 5-star team that makes you feel like a valued client, look no further.”
Jean C
Verified Client
“Chantal and her team worked tirelessly to find the right SMSF lending structure for our fund. We would highly recommend Cutter & Co to anyone exploring super fund property.”
Nat & Damien B
Verified Client
“Truly outstanding. From the moment we made our initial enquiry they worked diligently to find a loan that met our needs their communication was exemplary.”
Measha & Dean A
Verified Client
[ 06 ] Essential answers
Questions SMSF
trustees
actually ask.
Short, honest answers to help you navigate SMSF property lending with confidence.
A bank can only offer its own products. A mortgage broker compares multiple lenders, policies, and loan structures to find an option that better suits your goals.
At Cutter & Co, we look beyond the rate. We help structure your application, manage the paperwork, liaise with lenders and solicitors, and guide you from strategy through to settlement. For clients with complex income, business income, ABN income, or long-term wealth goals, the right broker can make the process clearer, smoother, and more strategic.
Unlock Your Super's PotentialReady to invest
your super?
Tell us about your SMSF goals. We'll come back at our earliest with a tailored SMSF lending strategy Melbourne-only.
- Your data is secure never shared or sold.
- 20+ years helping Melbourne SMSF trustees.
- No cost to you. We're paid by lenders.
Step 1 of 3
What's your SMSF goal?
Takes less than 60 seconds. No obligation to proceed.
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