Using your Self-Managed Super Fund (SMSF) to invest in property can be a powerful long-term strategy — but it requires careful structuring and the right lending solution. We help you navigate SMSF lending with clarity, compliance awareness and tailored finance options.
An SMSF loan (also known as a Limited Recourse Borrowing Arrangement or LRBA) allows your super fund to borrow money to purchase an investment property. The loan is structured differently from a standard home loan and must meet strict legal and lending requirements.
We work alongside your accountant or financial adviser to ensure the loan structure aligns with current regulations and your long-term objectives.
Depending on your fund structure and strategy, SMSF loans can be used to purchase:
Residential investment properties
Commercial properties
Business premises (leased back to your business in some cases)
All purchases must meet superannuation compliance rules — which is why structuring is critical.
SMSF loans typically involve:
A separate property trust (bare trust structure)
Higher deposit requirements compared to standard loans
Specific lender policies
Limited recourse provisions
Strict documentation and compliance processes
We guide you through each stage so you understand both the lending and structural requirements.
SMSF lending isn’t suitable for everyone. It depends on:
Your fund balance
Contribution strategy
Investment goals
Risk appetite
Long-term retirement plans
We’ll help you understand whether an SMSF property purchase aligns with your circumstances before progressing.
