Looking to invest in property through your self-managed super fund? We arrange SMSF loans and help structure them the right way, working alongside your accountant and legal team — across the Gold Coast, Brisbane & Australia-wide.
Taking control of your retirement through an SMSF is a powerful strategy — but the lending side requires a specialised touch. Whether you're looking to purchase residential investment properties or commercial premises for your own business, we understand the complexities of Limited Recourse Borrowing Arrangements (LRBAs).
An SMSF loan lets a self-managed super fund borrow money to buy an investment property, using a structure called a Limited Recourse Borrowing Arrangement (LRBA).
Under an LRBA, the property is held in a separate trust until the loan is repaid. "Limited recourse" means that if the loan can't be repaid, the lender's claim is limited to that single property — the fund's other assets are protected. The loan is generally serviced from the fund's rental income and contributions. An SMSF can use this structure to buy either a residential or a commercial investment property.
We work closely with your accountant and legal team to ensure your SMSF and loan are structured correctly, meet all compliance requirements, and help you build a tangible property portfolio within your super. If you want to put your superannuation to work in the property market, we have the expertise to guide you through every step.
In practice, that means we compare the specialist lenders who offer SMSF loans, coordinate the moving parts with your advisers, and manage the loan application from start to finish. To be clear about our role: we arrange the loan — the financial, tax and superannuation advice comes from your own licensed professionals, and we'll always point you to them.
An SMSF loan can be used for two main types of property:
The rules around what an SMSF can and can't do are strict, which is exactly why we coordinate with your accountant and legal team — and why independent advice matters.
SMSF lending is more specialised than a standard home or investment loan, so it's worth going in with eyes open.
There are fewer lenders in this space, the deposit and equity requirements are generally higher, and the fund needs enough to cover the deposit, costs and a sensible buffer for repayments. The structure has to be set up correctly from the outset, because getting it wrong can be costly and difficult to unwind. None of this should put you off — it simply means the right guidance is essential, and that's where a specialised broker working alongside your advisers earns its keep.
To point you in the right direction, we'll usually talk through:
You'll work directly with founder Antony Chan, who has over 2 decades of banking experience, including the specialised lending knowledge that SMSF borrowing demands. We're local to the Gold Coast and Brisbane, we work hand in hand with your existing advisers rather than around them, and our service is usually free to you.
Yes. A self-managed super fund can borrow to buy an investment property using a Limited Recourse Borrowing Arrangement (LRBA), provided the fund and the loan are structured correctly and meet the relevant rules. We arrange the loan and work with your advisers to keep it compliant.
An LRBA is the structure that allows an SMSF to borrow. The property is held in a separate trust until the loan is repaid, and the lender's recourse is limited to that property — so if the loan can't be repaid, the fund's other assets are protected.
Often, yes. SMSFs can hold business (commercial) real property, and your business can lease it from the fund — as long as it's done at market rate and meets the rules. Many business owners use this to build super while housing their own operations. Your advisers will confirm it suits your situation.
No. A residential property owned by your SMSF generally can't be lived in or rented by you, fund members or related parties — it must be a genuine arm's-length investment. Commercial property has different rules, which is part of what we'll help you navigate.
SMSF loans generally require a larger deposit than standard loans, and the fund needs sufficient funds left over to cover costs and provide a repayment buffer. The exact requirements vary by lender and your fund's position, so we'll work out a realistic picture with you.
No — that's the role of your licensed financial, tax and legal advisers, and we'll always recommend you speak with them. Our job is to arrange and structure the loan correctly, working alongside your professional team.
Book a free, no-obligation chat, and we'll talk through your SMSF lending options — and coordinate with your advisers — wherever you are on the Gold Coast, in Brisbane or Australia-wide.