A specialist SMSF lender
Residential LRBAs up to 80% LVR, standard terms, well-oiled process.
Limited recourse borrowing arrangements for self-managed super funds buying residential or commercial property.
Self-managed super funds can borrow to invest in property - but only through a very specific structure called a Limited Recourse Borrowing Arrangement (LRBA). Not every lender touches them. Fewer still do them well.
We work with the small group of lenders who understand LRBAs, along with your SMSF accountant and your bare trust deed provider, to get the structure right the first time. We don't give SMSF or tax advice - your accountant does that. We source the loan.
Including purchase of your own business premises through your fund.
We liaise with them directly so the structure is compliant and the loan settles smoothly.
We can introduce you to providers who handle the trust establishment.
Typically 60-80% depending on the lender and property type.
Confirm your fund is set up for borrowing. Discuss target property type and deposit.
Narrow the field to 2-3 lenders who suit your fund's situation.
Pre-approval in place; bare trust established in parallel.
Usually 6-8 weeks from application given the extra structure work.
We don’t quote rates on the website — they move weekly. We’ll give you real numbers at our first meeting.
Residential LRBAs up to 80% LVR, standard terms, well-oiled process.
Better rates for commercial SMSF purchases, including the buy-your-business-premises scenario.
For trickier fund structures or borrowers, including older funds with unusual asset mixes.
We used our SMSF to buy the office our accounting practice leases. Richard ran it alongside our SMSF accountant and bare trust lawyer, and we settled on time.
Property outside super, in your own name.
Learn more →Buying commercial outside super.
Learn more →Meet the broker.
Learn more →Via an LRBA, yes - residential or commercial. Each property is typically held in its own bare trust.
Usually 60-80% LVR for residential, 60-70% for commercial, depending on the lender.
No - residential SMSF property can't be lived in or rented by you or related parties.
Yes - a related business can rent a commercial property held in super, at market rent.
Most lenders want the fund to be trading with reasonable balances. Brand-new funds are possible but harder.
Yes - and we work with them. We don't give SMSF or tax advice ourselves.
A 20-minute call, no fee, no obligation. We’ll come back with three real lender options and a clear next step.
0473 113 128Mon-Fri, 8am-6pm