These enquiries are slower than a first investment enquiry and worth more when they land. Both facts have one cause: a fund, a deed and an accountant sit between the investor and the purchase.
What the fund investor states
The form fields are the same ones every investor answers. A fund investor fills the goal and budget fields with the fund's position rather than their own.
- Whether the fund is established or still to be set up, as the investor described it
- The balance range the fund holds or will roll in, as stated, and never checked by us
- Whether they expect the fund to borrow, if they raised it
- Timeframe, often tied to a rollover date or the end of a financial year
- Location interest, usually a city or a state rather than a suburb
Borrowing inside a fund is a specialist conversation
Most investors have read about the limits on household borrowing. Since February 2026, APRA has limited loans at a debt-to-income ratio of six times or more to 20 per cent of a bank's new mortgage lending. The rule is in its paper on activating debt-to-income limits. The investor assumes the fund is assessed the same way, on their payslip.
It is not. A fund borrows in its own name, under a limited recourse arrangement, and the lender assesses the fund's balance and income. Fewer lenders offer it, the terms differ, and the setup has to be right before a contract is signed. That is an adviser's conversation, often with a specialist broker.
Why does this enquiry need two professionals in the room?
Because the purchase and the fund are two separate jobs. The adviser answers whether property belongs in this fund, which property, and how it fits the member's retirement plan. The accountant answers whether the fund can do it: the deed, the trustees, the contributions and the paperwork.
An investor who calls one and not the other tends to stall. The advisory with an accountant to hand is the one that lands these enquiries. The first call should say which of the two the investor needs first.
Where the compliance line sits
We give no financial, credit or property advice. We do not tell the investor whether a fund suits them, whether it can borrow, or what to buy. We record what they stated about the fund, the balance and the timeframe, and we send it to you. Nothing about the fund is verified by us.
Advice about a self managed super fund is regulated. The adviser who takes the call must hold whatever licence or authorisation that advice needs, and knowing which is the adviser's job. Our part ends when the enquiry reaches your phone.
Slower to land, and worth more when it does
A fund enquiry rarely becomes a signed client in a week. The fund may still need setting up. The deed may need reading. The accountant may be away. A fund investor works to the fund's calendar, and the adviser who pushes gets a polite silence.
The reward is a client with a long horizon and a reason to keep taking advice for years. Each lead is exclusive to one advisory at one agreed price, with no retainer, no lock in and no minimum term. A wrong number, duplicate, out of market enquiry or non investor is replaced or credited when flagged within five business days.