SMSF loans: buying property inside your super
An SMSF loan lets your self-managed super fund borrow to buy an investment property — residential or commercial — inside your super. Itʼs one of the most technical corners of Australian lending: fewer lenders offer it, the structure rules are strict, and mistakes are expensive to unwind. Finedge Finance specialises in SMSF lending and works alongside your accountant and financial adviser to set it up properly, the first time.
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The basics
What is an SMSF loan?
When a self-managed super fund borrows to buy property, it does so under a limited recourse borrowing arrangement (LRBA). In plain English: the property is held in a separate trust for the fund, and if things ever went wrong, the lenderʼs recourse is limited to that property — not the rest of your super. Rental income and any growth belong to the fund, building your retirement savings.
The structure has to be set up in the right order, documented correctly, and matched with a lender who actually does this type of lending. Thatʼs the part we handle.
Working with us
How Finedge helps
We know which lenders still do SMSF loans. Most of the big banks have stepped back from SMSF lending — a smaller group of specialist lenders remains, each with different appetites. We work with them every week.
We coordinate the whole cast: your accountant, your financial adviser and your solicitor, so the trust structure, the contract and the loan all line up.
SMSF settlements have more steps and more waiting. Somebody from our team answers every time you check in — even when the answer is “no news yet”. Our SMSF clients tell us thatʼs exactly why they moved to us.
Commercial property in super — including your own business premises — is one of the most common strategies we arrange. See our commercial property finance page.
Your questions
Frequently asked questions
Straight answers to what our clients ask us most.
Can my super buy an investment property?
If you have a self-managed super fund, it can generally borrow to buy property under a limited recourse borrowing arrangement, provided the purchase fits the fundʼs rules and investment strategy. Whether itʼs right for you is a decision to make with your licensed financial adviser — once that decision is made, we handle the lending side.
Which banks do SMSF loans?
Most major banks no longer offer SMSF lending. Today itʼs largely the territory of specialist and non-bank lenders — names most borrowers havenʼt dealt with before, each with their own criteria for the fund, the property and the deposit. Knowing this landscape is a large part of what an SMSF broker is for.
Can my SMSF buy the premises my business runs from?
In many cases, yes — commercial property occupied by your own business can be held by your SMSF under specific rules, with the business paying market rent to the fund. Itʼs a popular strategy for business owners, and one that needs your accountant and adviser involved from the start. We arrange the finance side and keep everyone moving.
What does my fund need before applying?
Lenders look at the fundʼs deposit, its liquidity after the purchase, and the trust structure.
Requirements differ noticeably between lenders — weʼll tell you exactly what your fund would need before anything is lodged, so there are no surprises.
Already have an SMSF, or talking to your adviser about one?
Book a 15-minute call and weʼll explain exactly how the lending side works.
or call 1800 147 258
“Finedge Finance provides credit assistance, not financial, legal or tax advice. Whether an SMSF, or property within super, is right for you is a decision to make with your licensed financial adviser and accountant.”