Australia's Dedicated SMSF Specialist. 500+ Five-Star Reviews. 30+ Specialist Lenders.
Less than 20% of Australian lenders still write SMSF loans. Lionel Bustamante is a dedicated SMSF specialist within MortgageWorks, a high-volume brokerage with direct lender relationships that change what's actually possible for your deal.
The specialist your bank can't refer you to: The major banks pulled out of SMSF lending. Lionel's 30+ lender panel includes every specialist still doing it compliantly, matched to your fund balance and property typet.
Your personal borrowing capacity stays completely intact: Your SMSF loan sits inside your fund, not against your name. Buy in super and still borrow in your own name separately.
SMSF specialist depth, premium brokerage behind it: Normal brokers call lenders the same way you would. Lionel operates within MortgageWorks, a high-volume firm with strong lender relationships, faster approvals, and visibility on which lenders are actually writing SMSF deals right now.
Complimentary 15-minute session. No obligation. No hard credit inquiry.
Check Your SMSF Borrowing Capacity
Trusted by SMSF Investors
Proven Results That Speak for Themselves
SMSF Loans Settled
Five-Star Reviews
Lenders on Panel
Star Rated on Google
Our Partners
Accredited to Compare Australia's Leading SMSF Lenders
Our Solution
Tailored SMSF Lending Solutions for Property Investors Ready to Put Their Super to Work
The Process
Securing Your SMSF Loan is This Simple
Step 03
We Manage the Application Through to Settlement
From submission to settlement, Lionel follows up with the lender so you don't have to. Every compliance check, every document request, every status update handled , with the full support team of MortgageWorks behind him. You focus on finding the right property. We make sure the finance is there when you need it.
5 Star Rated
by Property Investors Across Australia
Reviews
What Our Clients Say
Investors who came to us with complex situations, and left with a clear path forward.
Working with Lionel was nothing short of remarkable. From start to finish, he managed the process seamlessly, securing a fantastic rate. His professional yet friendly approach, thorough attention to detail, and consistent updates made me feel completely at ease. Top-notch service I wouldn't hesitate to recommend.
SL
Scott Leano
Verified Google Review
Lionel has been amazing. Always responds to messages and calls. Guided me from the start until settlement, and even checked in after to make sure everything went well. Everything was smooth, and Gretchen was great with continuous communication throughout.
MB
Maria B
Verified Google Review
Lionel was awesome to work with. Super helpful and always available to answer our questions. He made our investment purchase feel simple and stress-free. Really appreciate all the support, can't wait to work together again.
S&M
Shafiq and Mashrufa
Verified Google Review
Amazing support from start to finish. Lionel made the whole process smooth and stress-free and helped us secure our property with confidence. Highly recommend.
P&B
Philip and Bhagyasree
Verified Google Review
Highly professional, helpful and kind. Lionel guided us through organising all relevant documents to secure our mortgage smoothly and hassle-free within the timeframe. Thanks so much.
VB
Vinayak B
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 Lionel Bustamante
I'm MortgageWorks' dedicated SMSF specialist. That means every client gets the focus of a niche broker and the backing of one of Australia's most reviewed brokerages: 500+ five-star reviews, 1,000+ clients under management, and a full support team behind every deal.
I've personally settled over 100 SMSF loans across residential and commercial property. From first-time buyers using their super to purchase an investment property, to experienced investors looking to add commercial assets to a growing portfolio.
That experience matters because SMSF punishes generalists. One wrong move in your Trust Deed, one lender who quietly stopped writing these, one compliance step skipped, and the deal collapses or the ATO comes looking. I know where those problems hide because I've seen every version of them.
If your bank said no or a broker told you it was too complicated, book a session. Most of the time the deal is alive. It just needed the right specialist with the right lender panel behind it.
100+ SMSF Loans Settled: Residential and commercial, across Australia. SMSF lending is Lionel's specialty, not a product he handles occasionally.
30+ Lender Panel: Access to every specialist still actively writing SMSF loans, including non-bank lenders unavailable through the major banks.
Backed by MortgageWorks: 500+ five-star reviews, 1,000+ clients under management. Specialist expertise with a premium brokerage behind it.
FAQ
Frequently Asked Questions
Can I really use my SMSF to buy an investment property?
Yes, and it's more common than most people realise. Through a Limited Recourse Borrowing Arrangement (LRBA), your SMSF can borrow to purchase residential or commercial property. The property is held in a separate trust until the loan is repaid, and your fund pays just 15% tax on rental income rather than your personal rate. The key is having the right structure set up correctly from day one, which is exactly what Lionel does before a single application goes in.
Will an SMSF loan affect my personal borrowing capacity?
No. Your SMSF loan sits inside your fund, not against your name personally. That means you can buy an investment property through your super and still apply for a personal home loan or investment loan separately. The two are assessed completely independently.
My bank said they don't do SMSF loans. Does that mean I can't get one?
It means your bank can't help you, not that the loan isn't available. Fewer than 20% of Australian lenders still write SMSF loans , the major banks largely pulled back after the royal commission. Lionel's 30+ lender panel includes the specialists who still do it compliantly and at competitive rates. A bank saying no is the starting point for this conversation, not the end of it.
How much do I need in my SMSF to get started?
There's no universal threshold. It depends on your fund balance, the property you're targeting, and your contribution trajectory. Some clients are ready to move now. Others may need 12-18 months of contributions first. The strategy session is designed to answer exactly this question for your specific situation. Lionel will give you a straight read on where you stand and what, if anything, needs to happen before you can proceed.
Is SMSF property investing actually worth it or is it just for wealthy people?
It's worth it for the right person, and that's not necessarily someone with millions in super. The main advantages are the 15% tax rate on rental income, the ability to buy commercial property your business can rent, and the fact that the debt sits outside your personal balance sheet. Whether it makes sense depends on your fund balance, property goals, and broader strategy. That's what the strategy session is for: a straight answer, not a sales pitch.
