MFAA Member · ACL 389328 · LRBA Specialists
SMSF Property Loan — SMSF property,
done right.
NCCP Act + SIS Act + every lender's own SMSF appetite — it's a complex space. We've placed dozens of SMSF Limited Recourse Borrowing Arrangement (LRBA) deals and know which lenders actually want your file.
Compliance reviewed before placement.
Bare-trust structure, single-acquirable-asset test, single-asset rule — verified against the SIS Act and ATO guidance before we send to any lender.
Liquidity stress-tested.
Your fund must service the loan + meet pension/contribution obligations + maintain a liquidity buffer. We model cashflow across stress scenarios before proposing a deal.
Coordinated with your professional team.
Accountant. Auditor. Financial adviser. Conveyancer. We coordinate timing so deed amendments, bare-trust setup, valuation, and settlement all align.
From first call to settlement
Easier than you'd think.
Discovery call
Fund structure, target asset, trustee setup, accountant introduction.
Compliance review
We verify bare-trust structure + LRBA setup + target property compliance before submission.
Lender placement
Of the lenders open to SMSF, we place against the right one for your fund's profile + asset class.
Application + settlement
Coordinated with your accountant + lawyer + auditor through to settlement.
SMSF lending library
Browse smsf lending guides
Browse our 4smsf lending guides, grouped by topic and written in plain English. The full searchable library lives in The Lab.
SMSF lending
4 guidesLVR, the application process and the checklist for buying in super.
Frequently asked questions.
Can my SMSF borrow to buy property?
Yes — through a Limited Recourse Borrowing Arrangement (LRBA). The fund borrows to acquire a single property held in a bare trust. If the fund defaults, the lender can only recover against that specific property — not the rest of the fund's assets.
What's the maximum LVR on an SMSF property loan?
Most SMSF-active lenders cap at 70-80% LVR — lower than standard residential loans. The lower LVR reflects the lender's reduced ability to enforce the limited-recourse structure. Some specialist lenders extend to 80% for very strong files.
Can I live in a property my SMSF owns?
No — strict rule under the SIS Act. Residential property held by an SMSF can't be lived in or rented to fund members or related parties. Commercial property held by an SMSF can be rented to a business owned by fund members (subject to arms-length terms).
What is the single-acquirable-asset rule?
Under SIS Act section 67A, an LRBA must acquire a 'single acquirable asset' — one property or one identifiable bundle. You can't acquire two separate properties under a single LRBA. Subdivision + multi-title structures require multiple LRBAs.
Should I use my SMSF to buy property?
Depends on your fund's profile, your tax position, your business situation, and your retirement strategy. We don't give superannuation or financial product advice. We arrange credit only — your accountant and financial adviser determine whether SMSF property is the right strategy. We work alongside them.
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