SMSF Loans
Compare specialist lenders and prepare the required fund, property and legal documents.
NewGen Finance Brokers acts as an SMSF broker in Sydney for trustees comparing SMSF property loans, LRBA loans, commercial SMSF loans, SMSF refinance pathways, lender rules, and adviser coordination before lender submission.
General information only. Any loan is subject to lender assessment and approval.
Who it is for
What happens next
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 | Related-party use, lease terms and the property must comply with superannuation law; obtain specialist legal and accounting advice |
| SMSF loan refinance | SMSFs with an existing LRBA looking for better rates, structure, or lender fit | Lender availability and refinance policy can be narrower than standard residential lending |
| 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 |
The best SMSF loan broker is one that compares specialist SMSF lenders, works alongside your accountant and financial adviser, and checks LRBA and bare trust requirements before contracts are signed. NewGen handles the lending side for Sydney SMSF trustees. Whether to borrow through your SMSF is a question for a licensed financial adviser.
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.
Potentially. Commercial property borrowing through an SMSF can involve an LRBA and additional rules for related-party use or leasing. The trust deed, legal and accounting advice, lease terms, fund liquidity and lender policy all need to be checked before relying on the structure.
Potentially. An existing SMSF property loan may be refinanced if the fund, property, repayment history, trust structure and lender policy support the new loan. Costs, rate benefit and LRBA documentation requirements should be checked before switching.
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.
Yes, but only in a specific way. An SMSF can borrow to buy a single asset, such as a property, through a limited recourse borrowing arrangement (LRBA). The asset is held in a separate holding (bare) trust until the loan is repaid, and the lender's recourse is limited to that asset. Your SMSF's trust deed must allow borrowing.
It depends on the lender and the property. SMSF lenders typically lend a lower share of the property's value than for standard home loans, especially for commercial property. They also look at the fund's balance, contributions and rental income to check it can make repayments, and many require the fund to keep a cash buffer after settlement. We compare lender limits before you commit.
Yes. An SMSF can buy business real property, such as an office, warehouse or shop, and lease it to a related business, provided the lease is at market rent on commercial terms. Residential property generally can't be leased to members or related parties. Get advice from your SMSF accountant or a licensed financial adviser on the structure.
Some lenders offer interest-only SMSF loans for a limited period, but fewer lenders offer this than for standard investment loans. Whether interest-only suits your fund depends on cash flow and strategy, so check with your SMSF accountant or financial adviser.
A bare trust, also called a holding trust, holds the legal title to the property while the SMSF repays the loan. The SMSF is the beneficial owner and receives the rent. Once the loan is repaid, the property can be transferred to the SMSF. The bare trust and its trustee must be set up correctly before contracts are signed, or the purchase can cause problems.
Yes. We arrange home, car, business, asset and SMSF lending, so you can deal with one broker across your borrowing. For SMSF loans we handle the lending only. Whether borrowing through your SMSF suits you is a question for a licensed financial adviser or your SMSF accountant.
