Specialist Chartered Accountant-Backed SMSF Mortgage Brokers.
Most brokers know which lenders will fund your SMSF. As Chartered Accountants, we know which structure makes your fund the most money, and we lock that in before a single application goes in.
CA-Led Tax Structuring: Your 15% rental income tax rate is locked in from day one, not left to chance after settlement.
No Impact on Personal Borrowing: Your SMSF loan sits separately. It doesn't reduce what you can borrow personally.
Whole-of-Market Access: Every lender still actively writing SMSF loans, compared and matched to your specific fund and strategy.
Check Your SMSF Borrowing Capacity
Trusted by SMSF Investors
Proven Results That Speak for Themselves
Lending Facilitated
Clients Helped
Lenders on Panel
Star Rated on Google
Our Partners
Accredited to Compare Australia's Leading SMSF Lenders
Our Solution
Tailored SMSF Lending Solutions for SMSF Trustees Who Think Beyond the Loan
The Process
Securing Your SMSF Loan is This Simple
Step 3
The Settlement
Kim manages the lender, compliance documentation, and settlement end to end. You walk away with an asset growing inside a tax-advantaged structure that was built right from day one, with every Trust Deed requirement, ATO obligation, and LRBA rule handled before you signed anything.
5 Star Rated
by SMSF Investors Across Australia
Reviews
What Our Clients Say
SMSF investors who came to us with complex situations, and left with a clear path forward.
Kim quickly earned my trust. He was very professional, and efficient, but more importantly, outright reliable. After our first meeting it was very apparent that Kim came from a strong accounting and finance background, coupled with a critical awareness for the housing market and banking industry. He kept everything in context and simple for me. I had a stress-free experience with a most desirable outcome.
YC
Yuan Chen
Verified Google Review
Kim has now helped me purchase two properties. I will definitely be reaching out if I were to purchase another and would recommend him to all of my family and friends. He has gone above and beyond to answer all of my queries and responds promptly. His knowledge, expertise, communication and professionalism cannot be praised enough.
HN
Han Ngo
Verified Google Review
I highly recommend Kim Nguyen. He was quick, professional, honest and reliable. He answered all my emails and questions very promptly and explains things clearly. He looks after your best interests and worked hard to get me the best rates. He went above and beyond and got things done in less than 2 weeks.
KM
Kellie Mach
Verified Google Review
After being messed around by the banks, I was referred to Kim and thank goodness I was. He was very knowledgeable and was able to clearly compare what options were available to me. He was approachable, genuine and had my best interest at heart. His efficiency and honesty is something to be commended.
KN
Kathleen Nguyen
Verified Google Review
Easily the best broker in Melbourne. Kim was very patient and explained everything every step of the way. If you are looking for a good deal on a home loan or refinancing, I would definitely recommend Quang Capital. Coming back for the next house!
WK
William Kang
Verified Google Review
Kim found me an excellent rate on my property loan and was very patient in explaining what everything meant. He's also very knowledgeable about what's happening in the market and gave me fantastic advice for selecting a property for investment purposes.
NC
Nick C
Verified Google Review
As a first home owner, going through the loan process was stressful and daunting. Kim was incredibly patient every step of the way and made me feel at ease. He was transparent and I felt like he was with me every step of the way. I could not recommend Kim highly enough.
JN
Jo N
Verified Google Review
The broker was professional, knowledgeable and efficient, which made buying the house a seamless process. Thank you so much for your help!
TN
Thi Nguyen
Verified Google Review
Your SMSF Lending Specialist
Meet Kim Quang Nguyen
I've spent my career at the intersection of accounting and finance, and what I keep seeing is the same problem: SMSF trustees get approved for loans that cost them far more than they should at tax time. Most brokers understand lending. Not many understand the tax structure sitting underneath it.
As a Chartered Accountant and mortgage broker, I approach every SMSF deal differently. Before we talk to a single lender, I'm looking at your Trust Deed, your fund's tax position, and how this loan fits into your long-term strategy. The goal isn't just to get your deal settled. It's to make sure the structure we build is the most efficient one for your fund, now and in five years.
Quang Capital works with SMSF trustees across Australia, from first-time buyers using their super to purchase an investment property, to experienced investors looking to add commercial assets to a growing portfolio.
Chartered Accountant: Qualified CA background means every loan structure accounts for tax implications before the application goes in.
30+ Lender Panel: Access to every lender still actively writing SMSF loans, including specialist non-bank lenders.
Residential and Commercial: Structured SMSF loans across both asset classes, nationally.
FAQ
Frequently Asked Questions
Can my SMSF actually borrow money to buy property?
Yes. Using a Limited Recourse Borrowing Arrangement (LRBA), your SMSF can purchase residential or commercial investment property. The loan is held in a separate Bare Trust until it's fully repaid, protecting the other assets in your fund. Not all lenders offer this product. We work with the specialist lenders who do.
Does an SMSF loan affect my personal borrowing capacity?
No. Your SMSF is a separate legal entity. The debt sits inside the fund, not against your personal income or assets. This is one of the key advantages: you can use your super to buy an investment property without it reducing what you can borrow personally for your own home or other purchases.
What's the minimum fund balance needed to get started?
Most lenders require a minimum of $150,000 to $200,000 in your SMSF before they'll consider an LRBA. You'll also need enough to cover the deposit (typically 20 to 30% of the purchase price) plus transaction costs like stamp duty, legal fees, and the Bare Trust setup. We run a full borrowing capacity review in the strategy session so you know exactly where you stand before any decisions are made.
Why does the loan structure matter so much for tax?
Your SMSF pays 15% tax on rental income, significantly less than the top personal marginal rate of 47%. But that benefit only applies if the LRBA is set up correctly and your Trust Deed is compliant. A structural error can void the tax advantage or attract ATO scrutiny. As Chartered Accountants, we review the full tax position before any application goes in.
How long does the SMSF loan process take?
From strategy session to settlement typically takes 6 to 10 weeks, depending on the lender and your fund's documentation. The most common delays come from incomplete Trust Deeds or incorrect bare trust structures: issues we identify and resolve before the application goes in, not after.
