SUPERANNUATION LENDING
SMSF Property Loans Australia
Buy residential or commercial property using your Self-Managed Super Fund. Expert LRBA structuring, bare trusts, and competitive SMSF lending panel.
How SMSF Property Borrowing (LRBA) Works
Purchasing property through a Self-Managed Super Fund allows trustees to take control of retirement assets, benefit from concessional 15% super tax rates, and achieve 0% capital gains tax once in pension phase.
- Limited Recourse Borrowing Arrangement (LRBA): Protects other super assets by ensuring the lender's security is strictly limited to the purchased property.
- Bare Trust & Corporate Trustee: The property is held in a holding trust on behalf of your super fund until the debt is cleared.
- Residential SMSF Rules: Must satisfy the "Sole Purpose Test" (cannot be lived in or rented by fund members or related parties).
- Commercial SMSF Rules: Business owners can purchase their own commercial premises (offices, warehouses, clinics) through their SMSF and pay market rent directly into their super fund.
SMSF Property Lending FAQs
How much deposit does an SMSF need?
Most SMSF lenders require a 20% to 30% deposit (70% - 80% LVR maximum) plus a liquidity buffer of 10% remaining in fund cash/shares following settlement.