How Borrowing Inside Super Really Works
A Self-Managed Super Fund lets you buy property — but not like a normal loan. You'll use what's called a Limited Recourse Borrowing Arrangement (LRBA):
- Note: The loan is secured only by the property itself.
- Note: You can't live in or rent it to family (unless commercial).
- Note: It must be held in a separate "bare trust" until paid off.
- Note: Your fund must stay liquid enough to handle costs.
Why Property in Super Makes Sense for Thousands of Australians
You're in Control
Choose your assets and strategy.
It's Tax-Efficient
15% on rental income, capital gains often tax-free.
Diversify
Add bricks & mortar stability to your super portfolio.
Leverage Growth
Borrow inside super for bigger returns.
Business Flexibility
Own your workspace through super.
Tangible Wealth
Real asset. Real growth. Real control.
Did You Know? Over $700 billion is now managed through SMSFs — and property is the fastest-growing asset class.
Who's SMSF Property Best For?
Business Owners
Own your own premises through your fund.
Experienced Investors
Leverage property safely for compound growth.
Goal-Driven Couples or Families
Turn retirement savings into tangible wealth.
Not every strategy suits every fund — that's where we come in.
Clearing Up Common SMSF Misconceptions
Myth: "You need $250k+ in super before you can invest."
Fact: Many lenders start around $120k–$150k with sound contributions.
Myth: "SMSF loans are risky."
Fact: When structured correctly, they can be one of the safest leveraged investments.
Myth: "You can't get finance unless you're a big business."
Fact: Small funds and professionals qualify every day with proper setup.
Before You Borrow — Know the Rules
Essential compliance requirements to keep your SMSF property investment on track
No Personal Use
You can't live in or rent your SMSF property to related parties including family members.
Repairs, Not Improvements
You can fix damage but can't rebuild, renovate, or subdivide using loan funds.
Maintain Liquidity
Keep enough cash reserves to meet ongoing fund expenses, loan repayments, and obligations.
Separate Trust Required
Must use a bare trust (holding trust) structure for the property title and ownership.
ATO Compliance
Strict audit and reporting requirements apply — ensure full regulatory compliance at all times.
What Balance Do You Really Need?
Most lenders ask for roughly a 20% deposit plus costs. Here’s what that looks like:
| Property | 20% Deposit | Est. Costs | Total Fund Needed |
|---|---|---|---|
| $400,000 | $80,000 | $17,000 | $97,000 |
| $500,000 | $100,000 | $22,000 | $122,000 |
| $600,000 | $120,000 | $27,000 | $147,000 |
| $700,000 | $140,000 | $32,000 | $172,000 |
| $800,000 | $160,000 | $37,000 | $197,000 |
| $1,000,000 | $200,000 | $47,000 | $247,000 |
Your fund should also maintain a cash buffer of at least 5–10% for costs, insurance, and contributions.
New SMSF Loans – We'll Handle Everything
- Pre-approval before your fund is even finalised
- Coordination with your accountant or setup provider
- Access to 40+ lenders
- Expert support through settlement
- Transparent fees — no surprises
"We make borrowing through super simple. You stay in control — we handle the complex parts."
Already Have an SMSF Loan? Let’s Make It Better.
Rates and products change fast. If your loan is over two years old, there’s a good chance we can reduce your repayments or add flexibility without compromising compliance.
- Review rates, terms, and structure
- Identify potential fee savings
- Simplify your administration
- Improve your fund’s cash flow
