Use your Self-Managed Super Fund to invest in property through a compliant Limited Recourse Borrowing Arrangement — residential or commercial.
An SMSF can borrow to purchase an investment property under a Limited Recourse Borrowing Arrangement (LRBA). The property is held in a separate bare trust until the loan is fully repaid, protecting the rest of your fund's assets.
Most major banks have withdrawn from SMSF lending, but specialist lenders on our panel remain active in this space. We guide you through the compliance requirements, trustee obligations, and lender selection to make the process as straightforward as possible.
Speak to an SMSF SpecialistResidential & commercial property — Both asset classes are eligible under an LRBA structure.
LVR up to 70% — For residential investment property; up to 65% for commercial.
Bare trust structure — Property held in a separate bare trust until loan discharge, ring-fencing fund assets.
Specialist lenders — We work with lenders who have active SMSF policies and competitive rates.
Tax-advantaged income — Rental income taxed at 15% inside super; 10% CGT for assets held over 12 months.
Business real property — Business owners can purchase their own commercial premises inside their SMSF and lease it back to their business at market rent.
Funds with a balance of $200,000 or more generally have sufficient scale to support property borrowing while maintaining diversification and liquidity requirements.
If you run a business, your SMSF can purchase your commercial premises and lease it back to you — combining property ownership with a reliable super income stream.
Investors who want the tax advantages of holding property inside super and are comfortable with the compliance responsibilities of running an SMSF.
SMSF lending is complex but the tax benefits can be significant. Talk to us first — we'll help you understand if it's the right structure for your situation.
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