Property inside your super, done by the book.
A self-managed super fund can borrow to buy property, but the rules are strict and the structure matters enormously. We arrange SMSF loans with specialist lenders who do this every day.
Limited recourse borrowing keeps the rest of your super protected if the property ever goes wrong.
What makes SMSF lending different.
This is specialist territory. Here’s what your fund needs to get right.
Limited recourse borrowing
The property sits in a separate bare trust, and the lender’s claim is limited to that asset alone. Set-up must be exact.
What your fund can buy
Residential or commercial investment property that passes the sole purpose test. Your fund can’t buy your holiday house.
Specialist lenders only
Most big banks have left SMSF lending. We work with the specialists who remain, and know their appetites well.
Your advisers, involved
SMSF borrowing needs financial and legal advice alongside the loan. We coordinate with your accountant and adviser throughout.
An SMSF purchase, step by step.
Check the foundations
We confirm your fund’s trust deed allows borrowing and that the numbers stack up, alongside your licensed adviser.
Structure and pre-approval
Bare trust established, loan pre-approved with a specialist lender, so your fund can shop with certainty.
Purchase and settle
Contracts must be signed exactly right in SMSF deals. We work with your solicitor so nothing derails settlement.
Ongoing compliance
Rent flows in, repayments flow out, and your fund’s auditor stays happy. We review the loan as rates move.
What locals say on Google.
SMSF lending questions we hear all the time.
How much can my SMSF borrow?+
Specialist lenders typically lend 60–80% of the property value, so most funds need a healthy balance before borrowing. We’ll tell you quickly if the numbers work.
Can my SMSF buy my business premises?+
Often yes. Commercial property leased to your own business at market rent is one of the most common SMSF strategies, done properly.
Can I live in a property my SMSF owns?+
No. Residential property owned by your fund can’t be lived in or rented by you or your relatives. The rules here are strict and the penalties real.
Do I need financial advice for an SMSF loan?+
Yes, and that’s a feature, not a hurdle. We arrange the lending side and work alongside your licensed financial adviser and accountant.
Thinking about property in your super?
We’ll tell you plainly whether the numbers work, then arrange the lending side with the specialists. General information only; your fund should seek licensed financial advice.
Or skip all of this and call James directly on 0405 069 441.