SMSF lending, with the lending side handled properly.

An SMSF borrows through a limited recourse borrowing arrangement. The property is held in a separate holding trust until the loan is repaid, and if the loan defaults the lender's recourse is limited to that property. SMSF loans have their own lender policies, documents and pricing, and fewer lenders offer them than standard loans.

The structure needs to be set up correctly before the purchase, so your accountant, SMSF adviser and solicitor are involved alongside the lending.

We do not provide financial, tax, legal, superannuation or investment advice. SMSF lending can be complex. Please seek independent professional advice before making SMSF decisions.

From 10 August 2026, SMSFs can no longer enter into new limited recourse borrowing arrangements to buy residential property. Where a contract was exchanged on or before 9 August 2026, the change may not apply, and existing arrangements are treated differently from new ones.

If you are unsure how the change affects your fund, speak with your SMSF adviser. Danny can explain the lending options that remain.

Yes. SMSFs can still borrow to buy commercial property, such as offices, warehouses or retail premises, subject to the super rules and lender policy. Some trustees buy premises that their own business then leases from the fund, which has specific rules your adviser will need to check.

Danny compares the SMSF lenders on our panel and manages the application through to settlement.

Yes. An existing SMSF loan can often be refinanced to another lender, subject to the lender's policy and the fund's circumstances. Danny reviews the current rate, fees and loan terms, checks which lenders will refinance the arrangement, and works with your accountant on the documents the fund needs.