SMSF Property Lending
Borrowing to buy property through a self-managed super fund is a specialised area with strict rules. We help arrange finance where appropriate and, importantly, help you understand the professionals you'll need around you.
Some self-managed super funds borrow to invest in property using a structure known as a Limited Recourse Borrowing Arrangement (LRBA). It's a heavily regulated area, and it isn't right for everyone.
Important: get the right advice first
Whether SMSF property investment is appropriate for you is a decision for licensed financial, tax and legal professionals, not a finance broker. SMSF borrowing has strict compliance requirements and significant consequences if done incorrectly.
Our role is limited to helping arrange suitable lending once you and your advisers have decided this strategy is right for your fund. We'll always encourage you to have the proper advice in place first.
What SMSF lending involves
- A compliant Limited Recourse Borrowing Arrangement structure
- A fund and trust deed that permit the arrangement
- Lenders that specifically offer SMSF loans (not all do)
- Generally larger deposits and stricter servicing requirements than standard loans
- Coordination between your accountant, financial adviser, lawyer and lender
How we help
We work with lenders that offer SMSF loans and help you compare suitable options, prepare the required documentation and coordinate with your professional advisers so the finance side runs smoothly.
Eligibility for government schemes, grants and guarantees depends on current rules, your circumstances and lender participation, and these can change. This page is general information only, not financial, tax or legal advice. Please confirm current details with the relevant authority and seek an individual assessment.
Common questions
Can my SMSF borrow to buy property?
In some circumstances, using a Limited Recourse Borrowing Arrangement, but it's strictly regulated and not suitable for everyone. You need licensed financial, tax and legal advice about whether it's appropriate before proceeding.
Do you advise on whether SMSF property is right for me?
No. That's a decision for your licensed financial adviser, accountant and lawyer. We help arrange the finance once that advice is in place and the strategy has been confirmed as suitable.
Is SMSF lending different from a normal home loan?
Yes. It generally requires a specific structure, larger deposits and stricter servicing, and only some lenders offer it. We work with lenders that do.
Who do I need on my team?
Typically your accountant, a licensed financial adviser and a lawyer, alongside the lender. We coordinate the finance side with them.
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Let's find the right solution for you.
Book a free, no-obligation chat with Steph — by phone, over Zoom, or in person at our Winnellie office.