SMSF Property

Got an existing SMSF property that you're looking to refinance?

Maybe you've run out personal borrowing capacity?

Or you're looking to put your superannuation funds to better use?

Self Managed Super Fund lending isn't dead. Limited Recourse Borrowing Arrangments (LRBA's) are still allowed and suitable for purchasing Commercial Property.

For those who already own Residential Property in their SMSF, we can help review and refinance your existing SMSF loans to ensure your lending remains competitive and suited to your fund.

Refinancing Residential or Commercial Property?

  • Review your existing SMSF loan, interest rate and loan structure.

  • Compare refinancing options across a range of SMSF lenders.

  • Explore whether refinancing could reduce your repayments or improve your fund’s cash flow.

  • Understand the costs and requirements involved before deciding whether refinancing makes sense.

Purchasing Commercial Property?

  • Find out exactly how much your SMSF can borrow and how much deposit you'll need.

  • Explore lender options for the different types of commercial property.

  • Understand how lenders assess the property, lease income and your SMSF’s financial position.

  • Compare your finance options and how they suit your SMSF.

Frequently Asked Questions

Can my SMSF still purchase residential property using a loan?

No. Under the current rules, new residential property borrowing through an SMSF is no longer available. However, existing residential SMSF property loans can still potentially be refinanced.

Can I refinance an existing residential SMSF property loan?

Yes. If your SMSF already has a residential property loan, we can review your existing interest rate, repayments and loan structure and compare refinancing options across available SMSF lenders.

Can my SMSF still borrow to purchase commercial property?

Yes. SMSFs can still potentially borrow to purchase eligible commercial property, subject to the SMSF, property, transaction and lending structure meeting the relevant requirements.

How much can my SMSF borrow for a commercial property?

Borrowing capacity varies between lenders and can depend on factors including your SMSF's contributions, existing balance, expenses, proposed rental income and the property being purchased. We can assess your position across suitable SMSF lenders to determine your available options.

How much deposit does my SMSF need for a commercial property?

Generally 20% to 25% + purchasing costs depending on the lender and the property type.

Lenders will consider factors such as the property type, location, value and lease arrangements, as well as the SMSF's overall financial position. Lenders may also have liquidity requirements meaning you will need to leave a set amount of funds in your SMSF post-purchase.

Can my SMSF buy the commercial property my business operates from?

Yes. An SMSF may be able to purchase eligible commercial property and lease it to a related business, provided the arrangement complies with the relevant superannuation rules. Appropriate legal and accounting advice should be obtained regarding the structure and transaction.

What is an LRBA?

A Limited Recourse Borrowing Arrangement (LRBA) is the structure generally used when an SMSF borrows to purchase property. The property is typically held in a separate holding or bare trust while the loan is outstanding, with the lender's recourse generally limited to the asset being financed.

Do all banks and lenders offer SMSF property loans?

No. SMSF lending is a specialist area and lender appetite, where borrowing calculations, deposit requirements, acceptable properties and pricing can vary considerably. We compare options across 20+ lenders operating in the SMSF lending space.

How much does it cost to refinance a SMSF property loan?

Refinancing a loan in SMSF can be an expensive endeavour, and a full comparison of the refinance costs and savings should be undertaken.

Some costs to look out for:

- Early Repayment Fees for the existing loan

- Discharge Fees for the existing loan

- Application Fees of the new lender

- Valuation Fees of the new lender

We include all of the fees above in our full refinance cost comparison.

Can I have an offset account with an SMSF property loan?

Yes. Some SMSF lenders offer offset accounts with their loan products, while others do not. If an offset account is important to your fund, we can compare lenders that offer this feature alongside their interest rates, fees and other lending requirements