SMSF Loans
Compare specialist lenders and prepare the required fund, property and legal documents.
Who it is for
Process
We check whether the SMSF property loan needs a Limited Recourse Borrowing Arrangement, bare trust, deed review, and adviser sign-off before lender work starts.
We separate residential SMSF property loans, commercial SMSF loans, business-premises leaseback scenarios, and SMSF refinance files because lenders assess them differently.
We shortlist specialist SMSF lenders by rate, LVR, liquidity settings, documentation standards, turnaround, and property-type appetite.
SMSF loan approvals need trust, fund, property, member, contribution, rental, and legal documents sequenced correctly so settlement timing is realistic.
Before you apply
Requirements vary by lender. Please use the enquiry form for contact details only; your broker can explain how to provide documents securely.
| Option | When it may help | What to consider |
|---|---|---|
| Residential property via SMSF | SMSFs buying residential investment property through an LRBA | The property generally cannot be lived in by fund members or related parties |
| Commercial property via SMSF | Business owners whose SMSF buys premises to lease back to their business | Lease must be on commercial arm's-length terms with market rent |
| SMSF loan refinance | SMSFs with an existing LRBA looking for better rates, structure, or lender fit | Limited specialist lender panel means fewer refinancing options |
| LRBA lender comparison | Trustees who need lender options checked before committing to a property | Rate, LVR, liquidity, trust setup, and documentation rules can vary materially by lender |
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.
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.
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.
Yes, an existing SMSF property loan may be refinanced if the fund, property, repayment history, trust structure, and lender policy support the new loan. The refinance needs to be checked against costs, rate benefit, and LRBA documentation requirements.
Deposit and liquidity requirements depend on the lender, property type, LVR, rental income, fund balance, member contributions, and cash buffer. SMSF lenders often assess these more tightly than standard residential loans.
SMSF property loans commonly take longer than standard home loans because the legal, accounting, trust, bare-trust, property, and lender documents need to line up before approval and settlement.
