Property Finance
SMSF lending.
Borrow inside your self-managed super fund to buy commercial or residential property — set up exactly to SMSF rules.
Overview
How it works.
SMSF lending lets your self-managed super fund borrow to buy property it can't fund from cash alone. It works through what's called a limited recourse borrowing arrangement (LRBA) — the property is held in a separate bare trust, and the lender can only claim against that property, not the fund's other assets. SMSF rules are strict, the lender pool is much smaller than for regular property finance, and the documents have to be exactly right. A poorly set up arrangement creates problems with the fund's compliance — not just with the loan. We work alongside your accountant and adviser, take the loan to lenders that are genuinely active in SMSF, and make sure everything holds together. A common use is a business buying its own premises through the members' fund — the rent stays inside super, and the asset builds inside super too.
Key Details
- Loan size
- $100K – $5M+
- Loan term
- Up to 30 years
- LVR
- Up to 70–80%
- Structure
- Limited recourse borrowing arrangement
- Security
- Property held via a bare trust
Use Cases
When this product fits.
01 / 03
Buying business premises in super
Business owners acquiring the property they trade from through their SMSF, so the rent and the asset both stay inside the fund.
02 / 03
SMSF property investment
A fund acquiring a commercial or residential investment property as a long-term holding within its strategy.
03 / 03
Refinancing an existing SMSF loan
A fund moving an existing LRBA to a sharper rate or a lender with terms that better fit the fund's position.
Our Process
How we structure these deals.
Apply
Tell us about the deal in one short form. Just the shape of what you need — the documents come later.
We structure the deal
We build the structure around the deal, then take it to the lenders on our panel most likely to fund it.
Lender approval
We manage the lender back-and-forth, negotiate the terms and bring you a clear recommendation.
Settlement
Conditions, documents and settlement — handled and tracked through to funds in the account.
FAQ
Questions, answered.
It is the structure SMSF lending has to use. The property sits in a separate bare trust, and if the loan defaults the lender can only pursue that property — the fund's other assets are quarantined. The arrangement has to be set up correctly before the loan can settle.
Commercial property used by a related business is generally allowed where it meets the rules and is leased on commercial terms. It is one of the most common reasons owners set this up. Your accountant or adviser confirms it works for your fund — we arrange the finance.
No. We are a finance brokerage, not financial advisers. We work with your accountant and licensed adviser, who confirm the strategy suits your fund. We structure and place the loan.
SMSF lending is more specialised and more tightly governed, so not every lender offers it and appetite shifts over time. Knowing which lenders are genuinely active right now — and on what terms — is most of the value here.
Yes. An existing LRBA can usually be refinanced to another SMSF lender for a better rate or terms, provided the underlying structure stays compliant.
Related Products
You might also need.
Ready?
Let's structure your smsf lending.
One short application puts your deal in front of the lenders most likely to fund it. No obligation, no cost to find out where you stand.