If you have questions about Self Managed Super Fund property investment, such as the following:
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How can I leverage my SMSF to purchase commercial property or business premises?
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Can I refinance a residential SMSF loan established before the LRBA ban?
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What is the process of buying property with super?
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What is my borrowing capacity within my super?
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What counts as Business Real Property inside an SMSF?
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(Or any other questions about SMSFs)
Trusted & Awarded
Low Interest Rate & Flexible SMSF Loans
Access Ultra-competitive SMSF loan rates with unrivalled property flexibility.
Approval for more property types including high rises, hobby farms, and agricultural operations
Residential or commercial property loans
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Higher purchasing capacity and lower rates, fees and charges than other brokers.
Expert attention to the complex paperwork required for self managed super funds
We are here to help you!
At SMSF Loan Experts, we put extra care into understanding your financial goals and needs so that we can provide you with the best possible SMSF lending experience and strategy. We know that every situation is different for each of our clients, so we tailor a strategy that is individual to you when you’re looking to buy property with super.
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We always strive to deliver flexible SMSF lending solutions that maximise your property returns and protect your fund’s liquidity.
What Are SMSF Loans (And Why Do They Matter)?
Forget everything you know about standard mortgages. An SMSF loan is a highly specialised finance solution used by your Self-Managed Super Fund (SMSF) to purchase an investment property.
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The official name for it is a Limited Recourse Borrowing Arrangement (LRBA), but here’s the simple truth about SMSF and borrowing:
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Your SMSF borrows money to buy a property, with new LRBA borrowing now focused on high-yielding commercial real estate.
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The property is held in a separate legal structure (often called a Bare Trust or Custodian Trust).
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The loan is “limited recourse.” This means that if something goes wrong and your fund defaults, the lender can only take back the property in the Trust. They can’t touch the other assets in your SMSF.
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This structure is complex, but it’s the key to legally and safely leveraging your super balance to invest in property, enabling SMSF borrowing for commercial property that is often a much larger, higher-growth asset than you could purchase with cash alone.
Dealing with the Rules: Commercial Opportunities & Grandfathered Residential Property
​Following legislative changes that ended new LRBA borrowing for residential property in August 2026, the SMSF property landscape has shifted. Here’s where the biggest opportunities and protection for existing assets stand today:
How We Help You Get Better Results From Your Super Fund
Commercial Property: The Premier Growth & Cash Flow Strategy
Commercial real estate (Business Real Property) remains 100% open for new SMSF borrowing under an LRBA. Whether you’re an investor seeking strong rental yields or a business owner looking to purchase your own trading premises, commercial property offers huge advantages:
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High Yields & Cash Flow: Commercial properties typically generate yields between 5% and 8%+, creating strong ongoing liquidity inside your fund.
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The Business Owner's Advantage: Your SMSF can purchase your commercial premises (office, factory, or medical suite) and lease it back to your business at market rates. Your rent becomes a tax-deductible expense for your business and a low-tax return inside your super fund.
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Strict Arms-Length Rules: While you can lease commercial property to your own business, SMSF rules strictly prohibit trustees or related parties from living in or using any property owned by the fund for personal residential purposes.
How We Help You Get Better Results From Your Super Fund
Residential Property: Protecting & Refinancing Existing (Grandfathered) Loans
If your SMSF already owns a residential property secured by an LRBA set up before the August 2026 ban, your loan is fully grandfathered. You don’t need to sell or unwind your property.
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Refinancing Still Permitted: You can still refinance your existing residential SMSF loan to lower your interest rate, improve loan terms, or switch to a more competitive lender.
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Buying Outright: You can still acquire residential property inside your SMSF if the fund pays 100% cash without taking out a new loan.
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Sole Purpose Test: Residential SMSF properties cannot be bought from, or rented to, an SMSF member or any related party (such as family members or business partners).
How Our Super Fund Loan Process
Works
Our streamlined process ensures you get the best SMSF loan with minimal hassle.
Here’s how it works:
How Our Super Fund Loan Process
Works
Our streamlined process ensures you get the best SMSF loan with minimal hassle.
Here’s how it works:
Assess and Plan
We assess your situation and explore
lending options to plan your investment
strategy.
Apply and Negotiate
We manage the loan application and
negotiate with lenders to get you the best
terms and rates.
Fund and Implement
Once approved, we ensure quick
disbursement and assist with your
investment strategy, providing ongoing
support as needed.
Our Services
Whether you're looking to refinance an existing SMSF loan or need finance to buy a property investment in super, our experienced team of self-managed superannuation fund service providers can help you find the right SMSF loan.
Residential SMSF Property Loans
As a self managed super fund SMSF trustee, borrowing to purchase an investment property could be the financial kick-start you’ve been searching for. We can help you access the best finance solutions to purchase your investment. Our strategies help to maximise the growth of your SMSF residential investment property.
SMSF Loan Refinance
If your residential or commercial property loan is more than 2 years old, you could be missing out on more competitive products recently released to the market. We compare products and strategies with your finance needs, to match you with the most cost-effective loan for your circumstances.
SMSF Setup
Ensure your self managed super fund is set up correctly and compliantly. We help with the set up of your fund, all the way through to the settlement of your property - we can even organise to have your loan pre-approved before your super fund has been established.
Commercial SMSF Property Loans
Looking for a loan to purchase a commercial investment property inside of super? With access to a number of commercial loan products, we can build a tailored investment strategy for your self managed super fund commercial property investment.
SMSF Lending Strategy
Our goal is to find the right Self Managed Super Fund lending strategy for you. Investing in property within your SMSF can be complicated - Our experts help simplify the whole process.
Bad Credit SMSF Loans
Having a bad credit score doesn’t have to mean you miss out on borrowing to invest or get stuck with high interest rates. At SMSF Loan Experts, we offer lending solutions especially geared for clients with a less than perfect credit history.
Low Interest Rate & Flexible SMSF Loans
Access Ultra-competitive SMSF loan rates with unrivalled property flexibility.
Frequently Asked Questions About
SMSF Loans
Common Questions Answered
Yes, SMSFs can borrow money for property, managed funds, or shares using a
Limited
Recourse Borrowing Arrangement (LRBA)
. This process is heavily regulated, so
getting expert advice is recommended. Contact us for more details.
Navigating through property investments within an SMSF involves various
considerations such as property values, regulatory changes, interest rates, tenant
occupancy, and financial liquidity. Working closely with experienced experts can help
manage these factors effectively and ensure the stability and growth of your
investment portfolio.
ENQUIRE NOW
Here’s how to get answers to your questions about Self Managed Super Fund investment property:
“I’d been advised that I didn’t have enough savings for an SMSF investment, but SMSF Loan Experts made it happen. They took care of everything from set up of my SMSF to organising a loan...”
David, Fleet Manager
Do you have more questions about buying property with super?
Call us today to discuss your SMSF property goals so you can make the smartest move for your retirement. Call 1300 781 680.