SMSF Property Lending
SMSF Property Lending

Buy property
through your
super fund

Use your Self-Managed Super Fund to purchase investment property via a Limited Recourse Borrowing Arrangement (LRBA) — one of Australia's most powerful wealth-building strategies.

6.49%*
SMSF rates from
80%
Max LVR residential
70%
Max LVR commercial
2+
Members recommended

*Indicative rate only, subject to change. Credit criteria, conditions, fees and charges apply. Not all applicants will qualify.

How It Works

The LRBA process, step by step

A Limited Recourse Borrowing Arrangement (LRBA) lets your SMSF borrow to invest in property. The lender's recourse is limited to the property — your other super assets are protected.

01

Establish your SMSF

Allow 2–4 weeks

Your SMSF trust deed must allow borrowing. We can refer you to an SMSF specialist accountant or lawyer to review or update your deed before applying.

02

Set up a Bare Trust

Concurrent with loan approval

The property must be purchased through a separate "bare trust" (also called a holding trust). This is the LRBA legal structure required by law — your SMSF broker handles this.

03

Apply for SMSF loan

1–3 weeks for approval

We submit your SMSF loan application to specialist SMSF lenders. They assess the fund's balance, income, contributions and the property itself — not just personal income.

04

Purchase the property

Standard settlement terms

Settlement occurs with the bare trust as the registered owner. Your SMSF makes all loan repayments from fund income (rent + contributions). The fund receives all rental income.

05

Loan paid off

End of loan term

Once the loan is fully repaid, the bare trust transfers legal ownership to your SMSF. From that point the property is fully owned within the fund, tax-free in pension phase.

Eligible Property

What can your SMSF buy?

Residential Investment

Most Common
From 6.49% p.a.Up to 80% LVR
Strong capital growth potential
Consistent rental income
Larger pool of specialist lenders
Up to 80% LVR available

Cannot be lived in by SMSF members or related parties

Key LRBA Rules

Property must be a "single acquirable asset"
Cannot be improved until loan is repaid (only maintained)
SMSF members cannot use residential property
All repayments must come from fund assets
Must meet the Sole Purpose Test at all times
ATO reporting obligations apply to the LRBA
SMSF Loan Calculator

Estimate your SMSF loan repayments

Model your repayments, LVR and estimated cash flow impact on your fund.

$800,000
$200K$5M
$240,000
$0$800,000
25 years

Monthly Repayment

$3,777.66

P&I at 6.49% p.a.

Loan Amount$560,000
LVR70.0%
Max LVR Allowed80%
Total Interest$573,298
Total Repayment$1,133,298

Estimated Annual Fund Impact

Estimated rental income (4.5%)$36,000 /yr
Annual repayments−$45,332 /yr
Contributions needed from fund$9,332 /yr
Get Formal SMSF Quote
Am I Eligible?

SMSF lending eligibility checklist

SMSF is registered with the ATO and compliant
Fund trust deed permits borrowing
Fund balance of $200K+ (ideally $400K+)
Ongoing contribution history (employer + personal)
Property will be a complying investment
Bare trust structure established before settlement
Members cannot live in or use residential property
Cannot renovate property while LRBA is active
Why Fairbanks?

SMSF specialists you can trust

Access to SMSF specialist lenders
We work with lenders who specifically underwrite SMSF loans — not all brokers do. Our panel includes Macquarie, Liberty, La Trobe, Firstmac and others.
ATO-compliant structuring
SMSF lending requires precise documentation. We ensure your LRBA is structured correctly from the start — avoiding costly ATO compliance issues later.
Trusted professional network
We'll refer you to specialist SMSF accountants, financial planners and lawyers who work in this space daily — giving you a complete advisory team.
MFAA accredited
Full MFAA membership, professional indemnity insured. ASIC credit representative ACR 481272.
FAQ

Common SMSF lending questions

Get Started

Ready to grow your super
through property?

SMSF lending is powerful but complex. Our specialists make it simple — helping you access the right lenders, structure the deal correctly and build real wealth inside your super.

Speak to an SMSF SpecialistCall Us Today

General Information Warning: The information provided is general in nature and does not constitute personal financial advice. SMSF lending is complex and the ATO has strict rules. We strongly recommend working with an SMSF accountant and licensed financial advisor before proceeding. Consolidated Funding Group Pty Ltd t/as Fairbanks Financial Group | ACR 481272 | FBAA m-330508 | AFCA #48367.

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