Most SMSF Investors Get Stuck at Property One. Lionel Maps the Next Two Before You Buy.
With 100+ SMSF loans settled personally and direct lender relationships across 20+ specialist funders, Lionel Bustamante builds your 5-year SMSF property roadmap before a single application goes in. Complimentary 15-minute session, no credit enquiry, no obligation.
Residential and Commercial. First Property or Fourth: Lionel reviews your fund balance, debt position, and contribution trajectory at the strategy session. You leave knowing exactly what your SMSF can borrow now and what stays available for your next acquisition.
Your 5-Year SMSF Property Roadmap, Built Before You Commit: Most brokers focus on the deal in front of them. Lionel maps your fund's position across your next three acquisitions so each purchase doesn't block the one after it.
No Credit Enquiry at the Strategy Session: Your initial consultation does not involve a credit enquiry. You leave with a clear roadmap for what comes next and zero obligation to proceed.
Complimentary 15-minute session. No obligation. No credit inquiry.
See What Your SMSF Can Buy
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 MortgageWorks support team behind him. You walk away with an asset inside your fund and a roadmap already in place for what comes next.
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.
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
My experience with MortgageWorks was smooth and seamless. Lionel was absolutely amazing and so helpful throughout the process. His knowledge and patience with me as a first time investor was confidence inspiring. I always felt that I am in capable hands. Lionel’s communication skills was also excellent, he was prompt and was always able to tend to my enquiries no matter what they were. I highly recommend engaging with Lionel and his team. I will recommend him to my friends and family, as well re-engaging with him in the near future on future goals of mine.
MA
Matthew A
Verified Google Review
Lionel and his team are absolutely amazing! If you’re looking for a broker to help with your home loan, you won’t be disappointed. They go above and beyond for you! Always quick to respond (even late at night and on weekends) and kept us supported every step of the way. They made the whole process smooth and stress free. Thanks to their hard work, my husband and I got approved and couldn’t be more grateful. Thank you, Lionel and team!
TC
T Charley
Verified Google Review
We recently worked with MortgageWorks on our investment property loan, and the experience was genuinely seamless. Lionel was incredible throughout the process - knowledgeable, reassuring, and always one step ahead in explaining what we needed and why. His tutorial playback videos were so convenient and helpful especially for those of us who can watch them in our free time while juggling kids.
KL
Kim Lao
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
Your SMSF Lending Specialist
Meet Lionel Bustamante
I help Australians use their super to buy property the right way, and then plan what comes after that. Most SMSF investors I speak to have one deal in mind.
My job is to make sure that deal doesn't come at the cost of the next one. I've personally settled 100+ SMSF loans across residential and commercial, which means the structures that trip up most applications are ones I've already worked through.
I operate within MortgageWorks, a high-volume brokerage with direct relationships across 20+ specialist SMSF lenders, so I can actually negotiate terms, not just submit and wait. If you want a broker who thinks past settlement, I'd love to help.
100+ SMSF Loans Settled: Residential and commercial, across Australia. The experience to spot what kills a deal before it starts.
Your 5-Year Roadmap Included: Every strategy session includes a forward view of your fund's acquisition capacity so property one doesn't block property two.
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.
