Service
SMSF lending sits inside a limited recourse borrowing arrangement (LRBA), which has strict rules and a smaller lender panel than standard residential or investment lending. We coordinate with your accountant, financial adviser, and SMSF auditor to make sure the structure is right before you commit to a property.
We work with your accountant and adviser so the loan structure, the trustee setup, and the lender's requirements all line up before you commit to a property.
Include any contract, settlement or finance date in your enquiry. We say what is realistic and what we need first.
Start an assessmentStep 1
We confirm your SMSF deed allows borrowing, model trustee personal guarantees, and confirm liquidity sits within lender comfort.
Step 2
We coordinate the bare trust setup with your accountant or SMSF specialist so the property is held correctly under the LRBA.
Step 3
Few lenders write SMSF loans. We shortlist by residential vs commercial, asset type, and serviceability so you know your options.
Step 4
We coordinate with your financial adviser, accountant, and auditor so the loan settles cleanly and the SMSF stays compliant.
No. We provide lending guidance and coordinate with your licensed financial adviser and accountant. SMSF property decisions need a licensed adviser.
Yes. Policy is tighter, deposits are larger (typically 20-30%), the lender pool is smaller, and the bare trust must be set up before contract. Upfront structuring matters.
Yes, business real property is one of the few assets a member or related party can lease from their own SMSF, at arm's length market rent.
Lenders typically allow up to 70-80% LVR for residential and 65-75% for commercial, subject to fund serviceability and remaining liquidity.
Tell us about your situation so a broker can review your enquiry and discuss the next step with you.