SMSF Lending — Property Loans for Self-Managed Super Funds
Specialist SMSF Loan Brokers · Limited Recourse Borrowing Arrangements · Sydney & NSW
SMSF Property Loans — Expert Guidance from SB Finance
SB Finance specialises in arranging SMSF limited recourse borrowing arrangements (LRBAs) for self-managed super fund trustees looking to purchase residential or commercial property within their SMSF. This is a specialist area — not all brokers have the lender relationships or knowledge to execute SMSF transactions efficiently. We do.
The Hills District has a high proportion of self-employed professionals, business owners, and high-income earners who are the natural SMSF demographic. Whether you’re purchasing a residential investment property or buying your own commercial premises through your SMSF, SB Finance can arrange the finance while coordinating with your SMSF administrator and solicitor.
Residential SMSF Loans
Purchase residential investment property through your SMSF. We compare specialist SMSF lenders for the best LVR and interest rates.
Commercial SMSF Loans
Purchase commercial premises — including your own business premises — through your SMSF and pay commercial rent to your fund.
SMSF Loan Refinance
Already have an SMSF loan? We can often find better rates through specialist lenders without adding compliance complexity.
SMSF LRBA — Key Requirements
To be eligible for SMSF borrowing, your fund will generally need: SMSF registered for 12+ months; minimum fund balance of $200,000–$300,000 (varies by lender); an investment strategy that includes property; and the property must satisfy the ATO sole purpose test. A bare trust (custodian trust) must be established to hold the property during the loan period.
LVR limits are typically 70–80% for residential and 60–70% for commercial property. Serviceability is assessed on rental income and fund contributions.
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Frequently Asked Questions — SMSF Property Loans
Can my SMSF buy any property?
No. The property must satisfy the ATO’s sole purpose test. Residential property cannot be used by members or related parties. Commercial property can be purchased from and leased back to a related business under specific conditions. Always seek advice from your financial adviser before proceeding.
How much can my SMSF borrow?
Typically 70–80% LVR for residential and 60–70% LVR for commercial. The exact amount depends on the property value, your fund balance, and serviceability (rental income plus member contributions).
What is a bare trust and why is it required?
A bare trust (custodian trust) is a separate legal structure that holds the property on behalf of the SMSF during the loan period. This is a legal requirement for SMSF LRBAs under the Superannuation Industry (Supervision) Act.
Can I buy my own business’s premises through my SMSF?
Yes — this is one of the most powerful uses of SMSF commercial lending. Your business pays commercial rent to your SMSF, effectively redirecting rent payments into your superannuation fund rather than to a landlord.
Do I need a financial adviser?
Yes. It is a legal requirement to obtain advice from a licensed financial adviser before making SMSF investment decisions. SB Finance arranges the finance component only. We recommend engaging a qualified SMSF specialist or financial planner to guide your overall strategy.
