Using your Self-Managed Super Fund to invest in property is one of Australia's most powerful wealth strategies — but also one of the most complex. Lend & Loan has access to the handful of lenders still active in this space and works alongside your advisers to ensure full compliance.
📅 Book Free ConsultationAn SMSF loan (formally a Limited Recourse Borrowing Arrangement) allows your self-managed super fund to borrow money to purchase an investment property. The property is held in a bare trust until the loan is repaid. Strict ATO compliance rules apply — getting the structure wrong has serious tax and legal consequences.
We confirm your SMSF has the required trust deed, balance, and compliance structure for borrowing.
We identify the right property type and purchase strategy within your fund rules.
We select the best SMSF-specialist lender from our panel — a critical choice given how few lenders remain active.
We coordinate with your accountant, solicitor, and bare trust trustee through to full settlement.
Most advisers recommend a minimum fund balance of $200,000–$250,000 before purchasing property, to ensure sufficient liquidity for ongoing expenses and member benefit payments.
No — related-party transactions are heavily restricted under superannuation law. You cannot purchase residential property from a related party.
The SMSF lending market has contracted significantly — most major banks have exited. We work with the remaining specialist and non-bank lenders active in this space.
Book your free SMSF property loan consultation. We'll confirm your fund's eligibility, identify the right lender, and manage the full compliance process alongside your accountant.
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