Self-Managed Superannuation Funds (SMSFs) have gained popularity in Australia as a way for individuals to take direct control of their retirement savings. SMSFs allow investors to manage their own superannuation and make direct investments, including in property. However, the landscape of SMSF lending has undergone significant changes in recent years, particularly with the exit of major lenders from the market. Banks such as Commonwealth Bank, Westpac, and NAB have completely withdrawn from offering SMSF loans. Several factors have driven this retreat. Firstly, regulatory scrutiny has intensified, with the Australian Prudential…