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SMSF
Specialist lending solutions for property investment through Self-Managed Super Funds
What is an SMSF loan?
SMSF lending allows a self-managed super fund to borrow funds to purchase property under a Limited Recourse Borrowing Arrangement (LRBA). This strategy is used for long-term investment within superannuation, but is subject to strict compliance, trust structure and lender requirements.
As superannuation and lending regulations continue to evolve, it is important to consider current legislative requirements and seek appropriate professional advice before proceeding with an SMSF borrowing strategy. Up until recently, SMSF LRBAs could be used for residential property, however they are now limited to commercial property only.
Diversifying a Superannuation Portfolio
SMSF lending can support the acquisition of additional commercial properties as part of a broader long-term investment strategy, subject to portfolio performance and lender assessment criteria.
Purchasing a Warehouse
SMSF lending can be used to acquire commercial property. This includes warehouses, industrial facilities, office space or retail premises, typically held as long-term investments within the fund.
Refinancing a Commercial SMSF
Refinancing may allow trustees to restructure an existing SMSF loan to improve cash flow, adjust loan terms or potentially release equity for reinvestment within the fund.
Buying a Business Premises
SMSF lending can be used to acquire commercial premises for business operations, including related-party lease arrangements and tenants in common structures (Co-Ownership).
Common SMSF Scenarios
Every lending scenario is unique, but these are some of the more common reasons borrowers seek SMSF finance.
Buying Business Premises
SMSF lending can be used to acquire commercial premises for business operations, including related-party lease arrangements and tenants in common structures (Co-Ownership).
Purchasing a Warehouse
SMSF lending can be used to acquire commercial property. This includes warehouses, industrial facilities, office space or retail premises, typically held as long-term investments within the fund.
Refinancing a Commercial SMSF Loan
Refinancing may allow trustees to restructure an existing SMSF loan to improve cash flow, adjust loan terms or potentially release equity for reinvestment within the fund.
Diversifying a Supperannuation Portfolio
SMSF lending can support the acquisition of additional commercial properties as part of a broader long-term investment strategy, subject to portfolio performance and lender assessment criteria.
Factors Lenders May Consider
SMSF lending assessments vary between lenders and are based on both fund structure and the proposed investment.
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SMSF trust setup and compliance documentation
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Fund balance and contribution history
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Property type, value and rental income
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Deposit availability within the fund
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Borrowing structure and compliance with SMSF lending rules
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Long-term investment strategy
If you'd like to explore tailored SMSF solution aligned with your broader business and investment goals, obligation free, please get in touch.
Related Lending Solutions
Depending on your strategy, SMSF lending can often overlap with other finance solutions, including:
Designed to support portfolio growth and long-term wealth creation
Development & Construction Finance
For property development projects and staged construction funding
Solutions tailored to your business and property goals, with options for Self-Employed borrowers
Lending criteria, fees, charges and eligibility requirements vary between lenders. All applications are subject to individual assessment and lender approval.