SMSF Finance
A Self-Managed Super Fund (SMSF) loan, also known as a Limited Recourse Borrowing Arrangement (LRBA), allows your SMSF to purchase investment property using a combination of existing superannuation funds and borrowed money.
For many Australians, an SMSF provides greater control over how their retirement savings are invested, creating opportunities to build wealth through property while benefiting from the concessional tax environment available within superannuation.
SMSF lending can be used to acquire:
Residential investment properties (subject to new regulatory chnages)
Commercial and industrial properties
Business premises occupied by your own trading business
Other eligible investment assets permitted under superannuation legislation
One of the key advantages of an LRBA structure is that the loan is secured against a single asset held within the SMSF, limiting the lender's recourse to that asset only.
Why Consider SMSF Property Investment?
Greater Control
Take a more active role in managing your retirement savings and investment strategy.
Property Investment Opportunities
Leverage your superannuation to invest in quality property assets that may not otherwise be accessible.
Commercial Property Ownership
Business owners may be able to purchase their own business premises through their SMSF, allowing the business to pay rent to the fund rather than a third-party landlord.
Long-Term Wealth Creation
Build retirement wealth through asset growth, rental income and potential tax advantages available within the superannuation environment.
Portfolio Diversification
Add direct property exposure to your retirement portfolio alongside other investments.
Expert Guidance Every Step of the Way
SMSF lending is a specialised area that requires careful planning and coordination between your broker, accountant, financial adviser and legal professionals. We work closely with your advisory team to ensure the lending structure aligns with both your investment objectives and superannuation compliance requirements.
From determining borrowing capacity through to lender selection and settlement, we provide clear guidance throughout the entire process.
Whether you're looking to acquire your first SMSF investment property or expand an existing portfolio, we can help structure a solution that supports your long-term retirement and wealth creation goals.
Ready to invest with your SMSF? Contact us today to explore SMSF loan options and start managing your retirement savings strategically.
OUR SERVICES
View our services
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Residential Lending
Residential Lending can be overwhelming within such a competitive environment. With so many options in the marketplace, what is most suitable for you? We can take all the stress out of the process. With our simple yet thorough pre-qualification discussion we can let you know what your options are in very little time. Whether you are purchasing property, investing, refinancing, consolidating debt or something else, we can support you with the right solution for your situation.
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Commercial Finance
Commercial finance is not a standard home loan process. Depending on the nature of the transaction there will be different requirements before simply lodging an application. We have extensive experience with commercial loans. Whether you are embarking on a development project, building your commercial property portfolio or growing your business we can cater for all scenarios. Our very thorough pre-qualification process will ensure you are focused on the right solutions from the beginning.
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Asset Finance
Asset finance can be a good option to purchase assets now whilst maintaining cashflow. Equipment finance options put the latest technology and machinery to work in your business. We use the equipment as the security so you can finance, hire or lease the latest models without tying up your other assets.
Corporate finance deals with the sources of funding and the capital structure of corporations. We are well placed to support corporate clients with any financing needs, given our very strong relationship with all corporate finance providers in the marketplace.
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Business Cashflow Lending
Cashflow lending is a type of debt financing, in which a bank lends funds, generally for working capital, using the expected cash flows that a borrowing company generates as collateral for the loan. To secure repayment, the bank covenants a borrower on such levels and ratios as EBITDA, total interest coverage ratio, total debt/EBITDA etc. They will take charge over your assets to provide the lender with the ability to take control of your cashflow in the event of default.
This is great way to secure finance when property security is not an option.
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Development Finance
Development finance provides specialised loans for residential or commercial projects, helping you undertake property development without substantial cash upfront. These short-term loans (6-24 months) cover land acquisition, construction, and renovation costs, whether building from scratch, converting, or refurbishing properties.
Key features include alignment with project timelines and flexible interest structures, often rolled up or capitalised to ease cash flow during construction. Development finance is ideal for developing property for resale, investment, or personal use.
