Residential SMSF loans
Typically to seventy or eighty per cent of value, with liquidity requirements held in the fund after settlement.
Overview
An SMSF can borrow to buy property through a limited recourse borrowing arrangement, where the lender's recourse is restricted to that single asset.
It is a legitimate and well established structure. It is also more constrained than ordinary lending: fewer lenders, higher deposits, stricter liquidity rules and a structure that must be established correctly before contracts are signed.
Who this suits
- A fund with sufficient balance and stable contributions
- Business owners buying their own premises through super
- Trustees who have taken licensed financial and tax advice
- Funds with a corporate trustee already established
- Long term hold strategies rather than short term trading
What we help with
Commercial and business real property
Business real property can generally be leased back to a related business at market rent, which is why many owners use this route.
Structure checked before contracts
Bare trust, corporate trustee and title arrangements need to be right first. Fixing them afterwards is expensive.
Before you go further
The detail on this page is general information, not credit assistance or personal
advice. What applies to your situation depends on your income, assets, liabilities
and objectives. Call 0413 321 141 and we will work through the specifics.
Common questions
How it works
Initial Consultation
We discuss your goals, financial position and borrowing requirements.
Compare Loan Options
We compare suitable lending solutions available through our approved lender panel at the time of assessment.
Application Support
We prepare and submit your application while keeping you informed.
Settlement
Once approved, we assist through settlement and remain available for ongoing support.