SMSF Loans

Finance property through your SMSF.

Compare specialist lenders and prepare the required fund, property and legal documents.

Who it is for

This loan may suit:

  • Trustees comparing SMSF loans to buy residential investment property through super
  • Business owners using an SMSF commercial property loan to buy business premises
  • Existing SMSF borrowers checking SMSF refinance rates, fees, and policy fit

Process

What happens next

  1. 1
    Confirm LRBA fit
  2. 2
    Map the property pathway
  3. 3
    Compare SMSF lenders

Questions about smsf loans

What does an SMSF loan broker do?

An SMSF loan broker helps trustees compare specialist lenders, LRBA loan structure, SMSF property loan rates, LVR rules, documentation requirements, and settlement timing before a lender application is submitted.

What is an LRBA loan?

A Limited Recourse Borrowing Arrangement is the structure that allows an SMSF to borrow in limited circumstances. If the SMSF cannot repay, lender recourse is generally limited to the asset acquired under the arrangement, not the fund's other assets.

Can an SMSF get a loan to buy commercial property?

Yes, some SMSFs can borrow to buy commercial property through an LRBA, including business premises leased to a related business on commercial arm's-length terms. The trust deed, adviser advice, lease terms, fund liquidity, and lender policy all need to be checked.

Ready to start?

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