SMSF Loans Australia – Invest in Property Through Your Super Fund

⚡Specialised lending for self-managed super funds to purchase residential or commercial property under compliant limited-recourse borrowing structures

Suitable For

✓ Borrowers purchasing residential or commercial property within an SMSF
✓ Trustees seeking long-term investment diversification
✓ Clients wanting tax-effective wealth growth through property
✓ Investors requiring limited-recourse lending to protect fund assets

Loan Purpose

✓ Acquire residential or commercial property in an SMSF
✓ Support long-term retirement planning with property growth
✓ Retain compliance through limited-recourse borrowing structures
✓ Enable fund diversification beyond traditional superannuation assets

Loan Structure

✓ Limited Recourse Borrowing Arrangement (LRBA) required
✓ LVR varies, commonly up to 70–80% for commercial, 70–75% for residential
✓ Interest-only or principal-and-interest options, subject to fund strategy
✓ Strict SMSF compliance rules, including holding trusts and arm’s-length requirements
✓ Rental income and contributions used to support servicing

Success Story

Commercial Unit Purchase in Brisbane

An SMSF acquired a commercial office unit using an LRBA structure. Rental income covered the majority of loan repayments, supporting long-term retirement outcomes.

Residential Investment in Adelaide

A trustee purchased a residential investment property within their SMSF. The lender provided a 75% LVR with compliant documentation aligned to fund objectives.

Warehouse Acquisition in Melbourne

A business owner used their SMSF to buy a warehouse later leased to their own business at arm’s length, improving tax efficiency and long-term asset control.

Advantages

SUPER GROWTH

Property investment through super can support long-term wealth accumulation.

RISK CONTROL

Limited-recourse structures protect other SMSF assets.

TAX EFFICIENCY

Rental income and capital gains may benefit from concessional SMSF tax treatment.

DIVERSIFIED PORTFOLIO

Expand investment allocation beyond shares and managed funds.

FAQ

Contact QLoans.au for the latest policies, rates, and industry updates.

What is an SMSF loan?

It is a specialised loan that allows an SMSF to purchase residential or commercial property under a limited-recourse borrowing arrangement.

What can my SMSF buy?

Your fund can buy residential or commercial investment property, provided it complies with SMSF rules. Owner-occupation is not permitted.

How much can an SMSF borrow?

LVR varies by lender and property type. Residential SMSF loans commonly offer up to 70–75%, while commercial lending can extend to 70–80%.

Can my business lease the property from my SMSF?

Yes, but only for commercial property and under strict arm’s-length conditions.

Why is an LRBA required?

An LRBA ensures the lender’s recourse is limited solely to the property being purchased, protecting the SMSF’s other assets.

What makes QLoans.au different from going directly to a bank?

A conversation with QLoans.au can uncover loan solutions that one lender alone might not offer. Our expert brokers compare competitive options across banks, non-banks, and specialist lenders, keeping you informed on current policies. From pre-assessment to post-settlement, we provide guidance to streamline the entire process and maximise your options.