
Getting the structure wrong is difficult — and in some cases impossible — to unwind.
And most people don't realise it until it's too late to fix.
We work with a limited number of new clients at a time. Complete the questions below and we’ll offer you available meeting times.SMSF lending is one of the most restricted areas of Australian finance.
Most lenders won't touch it. Most brokers don't specialise in it. And the ones who don't understand it may not realise the consequences of getting it wrong until it's too late to change.
Clients engage Key Choice Lending to get the structure right before any property is committed.
The lender, the loan, and the fund structure must all align — before you approach anyone.
The lender, the loan terms, the trust structure, and the property must all align — and they must align correctly from the beginning. A structure that looks acceptable at application can still create compliance problems that are expensive and disruptive to resolve.
This is why we start with your SMSF position, not a lender.
Before we assess a single lender, we assess:
Only then do we determine what is possible — and what is appropriate.
The CARE Framework
A four-step process refined over 3,000+ client engagements.
Understand your position and goals
We define your full SMSF position — structure, capacity, and objectives — before making any recommendations.
Design the right lending strategy
We eliminate lenders that don't fit your fund structure before identifying those that will. We assess policy, serviceability, and pricing only after narrowing to lenders that will support your structure correctly. We coordinate with your accountant and financial planner as required. Where relevant, we connect you with 80 Metrics Property Advisory for independent analysis before capital is committed.
Secure the right structure and outcome
We manage the entire process from application through to settlement — ensuring the structure is implemented correctly at every step. The complexity sits with us. The clarity sits with you.
Protecting and growing what you have
We monitor your lending, submit pricing requests to your lender on your behalf, and stay aligned with your evolving SMSF position. When the next opportunity arises — whether that's a purchase, a restructure, or a refinance — you're already prepared to move.
If this aligns with your situation, you can apply below.
Founder & Head of Client Strategy
Dip. Fin. Services (Mortgage Broking) | Dip. Prop. (Agency Mgmt) | QPIA | Amazon Bestselling Author x2
Credit Representative Number 508009 | Australian Credit Licence 538623
$1B+ in lending facilitated since 2001 | 70+ lenders | 3,000+ clients supported
Key Choice Lending — Winner Better Business Awards 2024, Finalist 2025 & 2026