Super Lending

Bell Potter is the only non-bank margin lender in the market. That means we're the only margin lender that thinks like an investor, not like a bank.

Bell Potter's Super Lending product is designed to provide gearing capabilities for Self Managed Superannuation Funds, providing a flexible arrangement for gearing into securities selected from our Approved List

Super Lending is structured to provide multiple loan accounts within the one client facility. There is a Cash Account to manage initial cash collateral and items such as dividend payments. Each loan account is secured by a separate parcel of shares purchased from a single drawdown of that loan account. Separate loans must be used to purchase shares in different companies or different classes of shares in the same company.

Current Interest Rate

The current headline interest rate for Bell Potter Super Lending is 5.70% p.a.

Capital Protected Loans

Because Super Lending is limited recourse the ATO may regard it as a Capital Protected Loan. Information regarding the treatment of interest on capital protected loans is provided at; search for "capital protected loans". In brief, interest deductibility where loans are regarded as Capital Protected is limited to a benchmark, being the RBA standard variable housing interest (5.378% updated 04/11/2019) rate plus 1%. You should seek advice from your tax professional. The current benchmark interest rate is available in table F5 at


We offer a competitive interest rate with borrowing across a range of Approved Securities.

Benefit Description
Increase the size of your investments
  • By adding loan funds to a cash contribution from the SMSF, you can purchase a larger holding.
Dividends and franking credits
  • With a larger portfolio you can increase your potential to earn dividends along with associated franking credits and take advantage of any capital gains.
  • Create a more diversified portfolio by using loan funds to partly finance the purchase of shares in a range of companies.
Invest tax effectively
  • Potential tax deductibility of some or all of the interest.
  • You remain beneficial owner of the stocks in your Super Lending Facility (unless you are in default).
    The Security Trustee holds shares in its name on your behalf subject to the security interest of the lender.


Limited Recourse
  • Our Super Lending product is limited recourse. It is still subject to margin calls (as in standard margin lending). In the event a margin call is not fully restored, the Lender has recourse to the assets held as collateral for the loan account - and not to any other assets of the SMSF, nor to other assets of the trustee


Margin lending also has its risks. While a geared investment can multiply your returns, it also has the potential to multiply your losses.

Risk Description
Fall in the value of your portfolio
  • If your portfolio falls below a certain value - known as the loan-to-value ratio (LVR) - you could face a margin call. You could be required to add more collateral to your loan or to sell down stock to cover the shortfall in value.
Interest rate increases
  • A rise in interest rates may mean that dividend receipts will cover less of the financing costs.
  • Laws may change and this may adversely affect your position.


Super Lending may not be suitable for every SMSF and should be used as part of a considered strategy. A Bell Potter investment Adviser can help you to work out if Super Lending is suitable for you.

As part of the application process you will need to complete a Suitability Statement, which asks questions about the position of your SMSF.

Find out more

  • Click here to find an experienced Adviser in your area.
  • To apply for a Super Lending Facility contact your Adviser or call 1800 061 327
  • For more details about the Bell Cash Trust  click here

Key Documents

Super Lending Flyer

Super Lending Brochure

Super Lending Product Disclosure Statement (PDS)

Super Lending Application Form

Bell Cash Trust Product Disclosure Statement (PDS) and Application Form

Super Lending Security Trust Deed

Loan Security Deed


*Last updated 20/03/20

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