SMSF Lending

Borrow Inside Your Self-Managed Super Fund

SMSF property lending specialists. Residential and commercial property loans via Limited Recourse Borrowing Arrangements — structured correctly from the start.

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SMSF Loan Quick Facts
  • Residential LVR up to 70–80%
  • Commercial LVR up to 60–70%
  • Business can lease from own SMSF
  • Limited Recourse Borrowing Arrangement
  • Coordinate with your accountant & solicitor
  • ACL 389328 | MFAA Member

SMSF Lending Options

From residential investment to commercial premises — your SMSF can leverage borrowing power to build long-term wealth.

SMSF Residential Property Loans

Your SMSF can purchase residential investment property using a Limited Recourse Borrowing Arrangement (LRBA). The property is held in a bare trust until the loan is repaid.

  • LVR up to 70–80% with specialist lenders
  • Interest-only options available
  • Property held in bare trust structure
  • Suitable for existing and new SMSFs

SMSF Commercial Property Loans

SMSFs can purchase commercial property — including the premises your own business operates from (related party transaction, subject to arm's length conditions).

  • LVR up to 65–70% for commercial
  • Business can lease from own SMSF
  • Rent pays into super — tax effective
  • Office, retail, industrial & warehouse

LRBA Structure Setup

We work with your SMSF accountant and solicitor to ensure the Limited Recourse Borrowing Arrangement is structured correctly before lodging with lenders.

  • Bare trust deed preparation guidance
  • Trustee and SMSF structure review
  • Lender compliance documentation
  • Coordinate with your accountant & lawyer

SMSF Loan Refinancing

Refinance an existing SMSF property loan to access better rates, switch lenders, or improve loan terms as your SMSF grows.

  • Market rate comparison across lenders
  • Transfer of bare trust documentation
  • Avoid early repayment charges where possible
  • Review fixed vs variable options

Why Use a Broker for SMSF Lending?

SMSF loans are complex. The right broker makes the process straightforward.

SMSF Specialist Knowledge

SMSF lending has strict compliance requirements. We understand lender policies and LRBA rules to keep your application on track.

Panel of SMSF Lenders

Not all lenders offer SMSF loans. We access a curated panel of banks and non-bank lenders that actively write SMSF business.

Team Coordination

We coordinate with your SMSF accountant and solicitor so the loan, bare trust, and compliance stack align before settlement.

Long-Term Portfolio Strategy

Property inside super can be a powerful wealth-building tool. We help structure debt to maximise your SMSF's long-term position.

SMSF Lending FAQs

Yes. SMSFs can borrow to purchase property using a Limited Recourse Borrowing Arrangement (LRBA). The asset is held in a bare trust until the loan is repaid, at which point it transfers back to the SMSF. This strategy must meet ATO and SIS Act requirements.

Yes — this is one of the most tax-effective SMSF strategies. A business owner's SMSF can purchase the commercial premises their business operates from, provided rent is paid at market rates. Rental income flows into the SMSF where it may be taxed at just 15%, or 0% in pension phase.

SMSF residential lending is typically available up to 70–80% LVR with specialist lenders. SMSF commercial property loans are generally available at 60–70% LVR. Major banks have largely exited SMSF lending, so specialist and non-bank lenders are the primary source.

Yes. The SMSF must demonstrate it can service loan repayments from contributions, existing income, and projected rental income. Lenders assess SMSF cash flow carefully. We help you model serviceability before applying.

You will typically need an SMSF accountant (for SMSF establishment and compliance), a solicitor (for bare trust deed preparation), a financial adviser (for SMSF investment strategy advice), and a finance broker to manage the lending. We coordinate with your existing advisors.

Ready to Explore SMSF Lending?

Speak with Jorden Harris about whether SMSF property lending suits your fund's strategy.

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All lending is subject to assessment and approval by the lender. Fees, charges, and terms apply. Freedom Financing Pty Ltd — ACL 389328 — MFAA Member.