SMSF Lending
Wanting to buy in your SMSF?
Buying in your Self-Managed Super Fund (SMSF) has become increasingly popular, but fewer lenders now offer this service, which makes finding the right one critical.
We eliminate the guesswork by guiding you through lender requirements and helping you understand who offers what. Whether you’re purchasing a residential investment property or a commercial space for your business to lease back, we’ll ensure you have clarity and confidence every step of the way.
Essential Steps for SMSF Borrowing
Understand the team you need
Clear goals need the right team behind them. Working with a mortgage broker, financial planner and accountant ensures everything is set up correctly from the start and guided properly.
Deposit Required
Different lenders will provide different lending amounts on properties, generally you will need between 20-30% deposit depending on the property type and where it is located.
Borrowing Power
Your borrowing power is assessed a little differently than normal in a SMSF, so understanding your contributions to super and what the property will rent for are important.
Lender Policies
Lenders have varying policies that can impact your borrowing power. We carefully match you with the right options to put you in the best position to buy.
Why SMSF Lending Needs the Right Guidance
SMSF lending isn’t everyone’s cup of tea. While the concept is simple, understanding the details, such as custodian/bare trusts and SMSF structures, takes time. If you’re ready to take the leap, reach out to us first. We’ll assess your borrowing capacity before you spend money setting up an SMSF or bare trust, ensuring you start on the right foot.
Everything You Need To Know
What can my SMSF buy with an LRBA?
Generally, your fund can acquire a single acquirable asset (e.g., one residential property or one commercial title) under a limited recourse borrowing arrangement. The asset is held via a custodian/“bare” trust, and lender recourse is limited to that asset.
Can my business lease a commercial property from my SMSF?
Yes—commercial property can be leased to a related party (your business) if the lease is at arm’s length and on market terms. Lenders will still assess the rent and cash‑flow prudently under LRBA rules.
What documents do lenders usually expect?
Expect evidence of super contributions, trust deeds (including the holding/bare trust deed – although this isn’t required upfront), contract of sale, rental appraisal/lease terms, and accountant/administrator confirmations. Getting these right upfront helps streamline credit assessment.
Can I refinance my SMSF loan later?
Yes, refinancing is possible, but in most instances it involves similar documentation and compliance checks as the original loan. There are streamlined options which make this easier for you, which is why it’s important to utilise a mortgage broker who understands SMSF loans. It can be a good way to secure better rates as the market moves.
Want to Know What You Can Buy with an SMSF?
Secure the right lender, structure, and documents, without the guesswork. Apply now and we’ll map the fastest path from SMSF strategy to settlement.