SMSF lending

SMSF Lending — Specialist Finance for Self-Managed Super Funds

Investing in property through a self-managed super fund (SMSF) is one of the more powerful strategies available to Australian investors — but it’s also one of the most heavily regulated areas of lending. Getting the structure right from the outset is critical.

As specialist SMSF lending brokers, we work with fund trustees and their advisers to arrange Limited Recourse Borrowing Arrangements (LRBAs) for both residential and commercial property acquisitions within an SMSF.

What Is SMSF Lending?

An SMSF loan — structured as a Limited Recourse Borrowing Arrangement — allows your self-managed super fund to borrow money to purchase a single asset (typically a property). The asset is held in a separate bare trust during the loan term, and the lender’s recourse is limited to that specific asset in the event of default. This structure protects the fund’s other assets.

SMSF Property Finance We Arrange

• Residential SMSF loans — houses, units and townhouses purchased within a compliant SMSF structure
• Commercial SMSF loans — commercial property, including business owners purchasing their own premises through their SMSF
• SMSF loan refinancing — reviewing and restructuring existing SMSF facilities

SMSF Lending Requirements

SMSF borrowing is subject to strict regulatory requirements. Lenders will assess the fund’s trust deed, investment strategy, member balances, projected rental income, and borrower contributions. Not all lenders offer SMSF products — and those that do have varying policies on property type, LVR, and fund size.

Specialist Experience in SMSF Finance

Our team has extensive experience in SMSF lending and understands both the technical requirements and the lender landscape. We work closely with your accountant, financial adviser, and solicitor to ensure the structure is compliant and the right lender is selected for your fund’s position.

Important Note

SMSF borrowing involves complex legal and compliance considerations. We recommend all clients obtain independent financial and legal advice before proceeding. We are happy to work alongside your existing advisers or refer you to appropriate specialists.

Speak With Our SMSF Lending Specialists

Get in touch to discuss your SMSF property finance requirements. We’ll guide you through the process clearly and make sure your fund is set up for the right outcome.