Specialist SMSF credit, alongside your adviser.
SMSF Lending
Compliant Limited Recourse Borrowing Arrangements (LRBAs) for trustees buying residential or commercial property inside super.
Overview
What we do for you.
SMSF property lending involves complex compliance requirements and a narrow lender pool. We assist trustees with the credit side of a Limited Recourse Borrowing Arrangement (LRBA), working alongside your licensed financial adviser and accountant, who remain responsible for assessing whether SMSF property investment is suitable for your fund. We do not provide financial product, taxation or superannuation advice.
- Residential SMSF loans
- Commercial SMSF loans
- SMSF refinancing
- Limited Recourse Borrowing Arrangements (LRBAs)
Frequently asked
What clients ask us most.
- What is a Limited Recourse Borrowing Arrangement (LRBA)?
- An LRBA is the only structure that lets a SMSF borrow to buy property. The asset sits inside a separate bare trust until the loan is repaid, ring-fencing the rest of the fund from lender recourse.
- What deposit does an SMSF need to buy property?
- Typically 20–30% for residential and 30–35% for commercial, plus a liquidity buffer the lender wants to see retained inside the fund.
- Can my SMSF buy a property I personally use?
- Residential property in a SMSF cannot be lived in or rented to a related party. Commercial business real property can be leased back to your own business at market rent, this is a common, compliant strategy.
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