Super & Property · SMSF Home Loan

Property investment through your super, structured to stay compliant

SMSF lending runs through a Limited Recourse Borrowing Arrangement (LRBA) and a bare trust get the structure wrong and it's not just a lending problem, it's a compliance one. We work alongside your accountant or financial adviser to get the lending side right.

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LRBA structure

Up to ~80% LVR

Residential & commercial

Who it's for

SMSF trustees looking to add property to the fund's investment strategy
Business owners wanting their SMSF to hold the commercial premises they operate from
Trustees who already have a financial adviser and need the lending side coordinated
Funds with sufficient liquidity to meet the SMSF lending deposit and cost requirements

How it works

The same clear process every time, shaped around this specific loan type.

1
Eligibility & structure check
We confirm the fund's position and coordinate with your financial adviser or accountant before anything is submitted to a lender this isn't a loan we push without that in place.
2
Panel comparison for SMSF lending
Not every lender offers LRBA lending, and terms vary we compare the ones who do against your fund's specific position.
3
Bare trust & LRBA documentation
We coordinate the paperwork between your lender, trustee and legal advisers so the borrowing structure is set up correctly.
4
Settlement into the trustee structure
The property settles into the bare trust on behalf of the SMSF, with the loan structured as limited recourse to the fund.

What's included

LRBA-compliant lending

Loans structured specifically as limited recourse borrowing arrangements, as required for SMSF property purchases.

Works with your advisers

We coordinate directly with your financial adviser and accountant rather than working around them.

Residential & commercial property

Including business real property your own SMSF-linked business may operate from, subject to the fund's rules.

Single acquirable asset awareness

We structure lending around the single-asset rule that governs what an SMSF can borrow against.

Loop in your financial adviser before we approach lenders, not after SMSF lending decisions and superannuation strategy need to be made together, not in sequence.

Common questions

What is an LRBA, in plain terms?

A Limited Recourse Borrowing Arrangement lets an SMSF borrow to buy a single asset, held in a separate bare trust, where the lender's recourse if things go wrong is limited to that asset not the fund's other assets.

Do I need a financial adviser to get an SMSF loan?

We strongly recommend it, and many lenders expect to see evidence of financial advice before approving SMSF lending. This is credit assistance, not financial advice the two need to work together here.

Can my SMSF buy the premises my business operates from?

Often yes, as business real property, provided the arrangement meets superannuation law requirements this is exactly the kind of structure we'd confirm with your adviser first.

What deposit does the SMSF need?

SMSF lending typically requires a larger deposit than standard residential lending, and the fund needs to retain enough liquidity to cover its other obligations we factor this into the comparison.

Ready to explore SMSF Home Loan?

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