Property investment
through your super
Self-Managed Super Funds can borrow to purchase investment property through a Limited Recourse Borrowing Arrangement. The structure is complex — the lending doesn't have to be. We guide you through every step.
SMSF property lending sits at the intersection of superannuation law, lending policy, and property investment strategy. A Limited Recourse Borrowing Arrangement allows your self-managed super fund to borrow and purchase property — with rental income taxed at just 15% and capital gains at 10% after twelve months. But the compliance requirements are strict, the lender panel is limited, and the structure must be right from the start. That's where we come in.
LRBA Structure
We set up your Limited Recourse Borrowing Arrangement correctly — including the bare trust holding structure required by law — ensuring full compliance from day one.
SMSF Lender Matching
Not all lenders offer SMSF loans, and those that do have very different policies. We know which lenders are active in the SMSF space and which offer the best terms for your situation.
Residential & Commercial
SMSF loans can be used for residential investment property or commercial property (including business premises). We structure the finance for whichever asset class suits your fund's strategy.
Compliance Coordination
We work alongside your SMSF accountant and financial adviser to ensure the borrowing aligns with your fund's investment strategy and meets all ATO compliance requirements.
SMSF lending for every fund
Your fund's first property
You have an established SMSF with sufficient balance and want to acquire your first investment property within the fund. We'll guide you through the LRBA structure, bare trust setup, and lender selection from scratch.
Buying your own commercial property
Your business can lease premises owned by your SMSF — a powerful strategy for building super wealth. We structure the finance for commercial property acquisition with the lease arrangements your fund requires.
Adding properties to your fund
Your SMSF already holds property and you want to expand. We assess your fund's borrowing capacity, ensure compliance with concentration limits, and structure additional acquisitions alongside existing holdings.
From strategy to settlement
Fund assessment
We review your SMSF balance, investment strategy, existing assets, and borrowing capacity to confirm the fund is eligible and ready to borrow.
Structure & compliance
We coordinate with your SMSF accountant to establish the LRBA and bare trust structure, ensuring everything meets ATO requirements before approaching lenders.
Lender selection
We compare the available SMSF lenders — rates, LVR limits, property types accepted, and settlement timelines — to find the best fit for your fund's acquisition.
Settlement
We manage the application through to settlement, coordinating between the lender, your solicitor, the bare trustee, and the vendor to bring everything together.
SMSF lending specialists
LRBA compliance expertise
SMSF borrowing has strict legal requirements. We ensure every element — bare trust, single acquirable asset, limited recourse terms — is structured correctly.
Limited lender panel knowledge
The SMSF lending market is small and specialised. We know which lenders are genuinely active, competitive, and reliable in this space.
Commercial & residential
Whether your fund is acquiring a residential investment or commercial premises for your business to lease, we handle both asset classes.
Adviser collaboration
We work alongside your SMSF accountant and financial adviser as a team — ensuring the lending, tax, and compliance elements all align.
Fund balance guidance
We advise on minimum fund balances, contribution strategies, and cash buffer requirements so your fund can comfortably service the loan.
Exit strategy planning
SMSF loans can't be easily restructured. We plan the exit strategy upfront — whether that's holding long-term, paying down from contributions, or selling within the fund.
What you'll need
Fund documents
- SMSF trust deed (current version)
- Fund investment strategy document
- Most recent SMSF financial statements
- Fund member details and balances
- Bare trust deed (we can arrange if needed)
Financial requirements
- Minimum fund balance (typically $200K+ for residential)
- Sufficient cash buffer post-purchase (6–12 months expenses)
- Property must be for investment only (not member use for residential)
- Fund must be compliant with ATO — no audit issues
- Accountant and financial adviser sign-off on borrowing strategy
SMSF lending is complex and highly regulated. Book a consultation and we'll assess whether your fund is ready to borrow — before you spend time on property searches.