SMSF
Understand SMSF borrowing
Invest through super with confidence and the right lending structure.
Looking to invest in property through your Self-Managed Super Fund? SMSF lending is highly specialised — and we’re here to help you navigate it with confidence.
We’ll help you understand your borrowing capacity, meet lender requirements, and structure your loan in line with superannuation rules.
We’ll also work closely with your accountant or financial adviser to ensure compliance and long-term suitability for your retirement goals.
SMSF Loan FAQs
Can my self-managed super fund (SMSF) borrow to buy property?
Yes. SMSFs can borrow to buy investment property using a special structure called a Limited Recourse Borrowing Arrangement (LRBA). These loans are tightly regulated, but they’re a powerful way to grow your super balance through property.
What kind of properties can an SMSF purchase?
Your SMSF can buy residential or commercial investment properties. The property must be for investment purposes only—you or your family members can’t live in it or rent it personally. We’ll work with your accountant and solicitor to help them ensure the purchase is compliant with superannuation law.
What documentation do I need for an SMSF loan?
You’ll need a fully set-up SMSF with a corporate trustee, a property strategy in line with your investment plan, and supporting documents like trust deeds and financial statements. We work with your accountant or adviser to make sure everything lines up.
How much can an SMSF borrow?
Most lenders require at least a 20–30% deposit, so your SMSF will need a healthy balance before borrowing. We’ll assess your fund’s position and show you what’s possible based on income, contributions, and investment goals.
Can I renovate or improve a property in my SMSF?
Minor repairs and maintenance are allowed, but major renovations or improvements are not permitted under a loan structure. You can, however, improve a property once the loan is fully paid off. We’ll explain the rules clearly before you proceed.
