Specialist Property Finance for SMSF, NDIS and NRAS Investors.

CCS Lending Pyrmont provides specialist property finance solutions for clients purchasing and refinancing property across Australia. We assist with SMSF lending for residential and commercial property, as well as more specialised scenarios including NRAS investments, NDIS accommodation, off-the-plan purchases, leasehold properties and heritage-listed properties.

Specialist Property Finance

Finance Solutions Beyond Standard Home Loans

From SMSF property lending to specialist investment and disability accommodation finance, CCS Lending can help structure lending around your property strategy and circumstances.

SMSF Property Finance

Finance residential or commercial property through your Self-Managed Super Fund with access to specialist SMSF lending options and support throughout the loan process.

SMSF Residential

6.99%

p.a. from

Available for eligible loans below 80% LVR.

SMSF Commercial

7.44%

p.a. from

Available for eligible loans below 80% LVR.

Residential SMSF property purchases
Commercial SMSF property purchases
SMSF refinancing
Limited Recourse Borrowing Arrangement lending
Assessment of suitable lender options and loan structures
Coordination with your accountant, solicitor and other advisers where required

SMSF lending involves additional ownership, trust and lending requirements compared with a standard investment loan.

Book an SMSF Lending Call

NDIS Property Finance

We assist investors, property owners and developers seeking finance for NDIS-related accommodation and Specialist Disability Accommodation projects.

Specialist Disability Accommodation projects
Property acquisition and refinancing
Construction and development lending
Purpose-built disability accommodation
Specialist and non-standard lending structures

These transactions may require specialist lender assessment, particularly where construction, lease arrangements or specialised valuations are involved.

NRAS & Specialist Investment Property Finance

We can assist investors with certain specialist or non-standard residential investment properties where mainstream lending policy may be more restrictive.

NRAS-related investment properties
Specialist residential investment lending
Refinancing existing specialist loans
Investment portfolio restructuring

Lender appetite and credit policy vary, so each scenario is assessed individually.

Need help structuring your property finance?

Speak with CCS Lending about your property objectives and we can assess suitable lending options for your circumstances.

Book a Lending Consultation

CCS Lending commercial and SMSF finance team

SMSF Lending

Specialist SMSF finance solutions for investment properties, commercial premises, refinancing, leasehold properties and heritage-listed assets.

What is SMSF lending?

SMSF lending allows a self-managed super fund to borrow money to purchase eligible investment property, subject to strict superannuation, legal and lender requirements.

Can I buy property through my SMSF?

Yes, your SMSF may be able to purchase residential or commercial investment property, provided the transaction complies with SMSF rules and the fund’s investment strategy.

Can CCS Lending help with SMSF finance?

Yes. CCS Lending assists with SMSF property purchases, commercial premises, refinancing, leasehold properties and heritage-listed assets by helping you assess lender options, borrowing capacity and loan structure.

Can SMSF loans be used for leasehold or heritage-listed properties?

Some lenders may consider leasehold or heritage-listed properties, but these are more specialised transactions. Lender appetite, valuation treatment, remaining lease term, property condition and exit strategy will usually be important.

Can my SMSF buy commercial premises?

Yes. Many business owners use their SMSF to purchase commercial premises, including the property their business operates from, subject to correct structuring and compliance requirements.

How much deposit does an SMSF loan require?

Some non-bank lenders may offer SMSF lending up to 90% LVR, subject to lender policy and eligibility criteria. However, SMSF loans generally require a larger deposit than standard home loans. The required deposit will depend on the lender, property type, SMSF balance, rental income, member contributions and overall servicing position.

Can I refinance an existing SMSF loan?

Yes, refinancing may be available depending on the SMSF structure, current loan terms, property type, valuation and lender policy.

Do I need professional advice before using my SMSF to buy property?

Yes. SMSF lending involves legal, tax, superannuation and lending considerations. You should seek advice from your accountant, financial adviser and solicitor before proceeding.

If you are specifically looking to purchase property through your self-managed super fund, read our SMSF property loans guide.

Book an SMSF Lending Call

NDIS Property Finance

Specialist lending solutions for NDIS-related accommodation, disability housing and purpose-built property projects.

What is NDIS property finance?

NDIS property finance refers to lending solutions for properties used for disability accommodation, including specialist disability accommodation, supported living arrangements and purpose-built housing projects.

Can CCS Lending help with NDIS property finance?

Yes. CCS Lending assists investors, developers and property owners with NDIS-related property finance, including purchases, refinances and purpose-built accommodation projects. We help assess lender appetite, structure the application and present the transaction clearly.

Can I get a loan for an NDIS investment property?

Yes, finance may be available depending on the property type, borrower profile, lease structure, rental income, valuation, location and lender appetite. NDIS-related properties often require a more specialised lending approach than standard investment properties.

Can developers obtain finance for NDIS housing projects?

Yes, some lenders may consider development or construction finance for NDIS-related accommodation projects. The strength of the borrower, project feasibility, end value, lease strategy, exit plan and operator involvement will usually be key assessment points.

Is NDIS property finance the same as a normal investment loan?

Not always. While some transactions may be assessed similarly to standard investment loans, many NDIS-related properties involve specialised income, lease arrangements, provider agreements or valuation considerations. This means lender selection and application presentation are very important.

Do lenders accept NDIS rental income?

Some lenders may consider NDIS-related rental income, but the treatment can vary significantly. Lenders may review the lease, income source, provider arrangement, property suitability and whether the income is considered reliable and sustainable.

Why is lender selection important for NDIS property finance?

Not all lenders are comfortable with specialised disability accommodation or NDIS-related income. Choosing the right lender can make a significant difference to loan structure, borrowing capacity, valuation outcome and approval prospects.

NRAS Property Finance

Tailored NRAS investment property finance for purchase, refinance and portfolio growth, helping investors structure lending around specialised rental arrangements and lender policy.

What is NRAS property finance?

NRAS property finance refers to lending solutions for investors purchasing or refinancing properties approved under the National Rental Affordability Scheme.

Can I get a loan for an NRAS property?an CCS Lending help with NDIS property finance?

Yes. Some lenders will consider NRAS properties, although lending appetite can vary depending on the property, lease arrangement, location, rental income and borrower profile.

Are NRAS properties harder to finance?

They can be more complex than standard investment properties because lenders may assess the rental arrangement, NRAS incentive, lease structure and resale market differently.

Can I refinance an existing NRAS property loan?

Yes. Refinancing may be available for eligible NRAS properties, depending on equity, rental income, loan conduct, property type and lender policy.

Do lenders include NRAS incentives as income?

Some lenders may consider part or all of the NRAS incentive, while others may exclude it. This depends on lender policy and supporting documentation.

Can SMSFs buy NRAS properties?

In some cases, SMSFs may be able to purchase NRAS properties, subject to SMSF lending rules, lender policy, trust structure and compliance requirements.

What deposit is required for an NRAS property?

The required deposit depends on the lender, property location, valuation, rental income, borrower strength and whether the property is considered standard or specialised security.

Why use a broker for NRAS finance?

NRAS lending is policy-sensitive. A specialist broker can help identify lenders with appetite for NRAS properties and structure the application correctly from the start.