SMSF Lending — Property Investing Through Your Super

Our SMSF specialists guide you through the structure, the lenders, and the rules so it's done right.

Buying property inside a self-managed super fund can be a powerful long-term strategy — but it's also one of the most compliance-heavy areas of lending.

How SMSF property lending works

SMSF purchases use a Limited Recourse Borrowing Arrangement (LRBA) — a structure that limits the lender's claim to the single asset being purchased, protecting your fund's other assets. Not every lender offers SMSF loans, and those that do have stricter requirements around deposits, liquidity and servicing.

What we help you navigate

  • Lender selection across the specialist SMSF market
  • LRBA structure and the bare trust requirement
  • Deposit, liquidity and servicing requirements
  • Coordinating with your accountant and financial adviser

A team effort

We handle the lending piece and work alongside your accountant and licensed financial adviser to keep everything compliant. Whether an SMSF is right for you is your adviser's role — once you've decided, we make the lending side smooth.

Speak to an SMSF specialist →

Common questions

Yes, an SMSF can borrow to buy property using a Limited Recourse Borrowing Arrangement (LRBA), which limits the lender's claim to that single asset. Not all lenders offer SMSF loans and requirements around deposit, liquidity and servicing are stricter. We handle the lending side and work with your accountant and adviser to keep it compliant.
A Limited Recourse Borrowing Arrangement is the structure that lets an SMSF borrow to buy a single asset while protecting the fund's other assets — the lender's recourse is limited to the property purchased. It usually involves a separate holding (bare) trust.
No. SMSF lending is a specialist market with fewer lenders and stricter requirements on deposits, liquidity and servicing. We know who lends, on what terms, and how to present your fund to give it the best chance of approval.

General information only; not financial or credit advice. SMSF borrowing has specific risks — seek independent financial and tax advice before proceeding. Loanworth Pty Ltd (Credit Representative Number 547934) is a Credit Representative of Connective Credit Services Pty Ltd (Australian Credit Licence 389328).

General information only — not credit advice. It doesn't take your objectives, financial situation or needs into account.

Loanworth Pty Ltd CR 547934 · Connective Credit Services ACL 389328.

Ready to find out how much you can borrow?

Apply Now →