SMSF Property Loan Brokers Australia
WRA Mortgage Brokers arranges SMSF property loans (Limited Recourse Borrowing Arrangements) for self-managed super funds across Australia — working with specialist SMSF lenders and your accountant to structure a compliant borrowing for residential or commercial property.
Frequently Asked Questions
Can my SMSF borrow to buy property?
Yes. A Self-Managed Super Fund (SMSF) can borrow to invest in property using a Limited Recourse Borrowing Arrangement (LRBA). This is a specialist structure with its own rules, lenders and documentation, and must comply with the superannuation laws.
What is a Limited Recourse Borrowing Arrangement (LRBA)?
An LRBA is a borrowing structure where the SMSF borrows to acquire an asset (property) held in a separate bare trust. The lender's recourse is limited to that asset — the rest of the fund's assets are protected. It is the only way an SMSF can borrow to buy property.
What property can an SMSF buy with borrowing?
An SMSF can borrow to buy residential or commercial property, subject to rules. Related-party transactions of residential property are generally restricted, but business real property (e.g. commercial premises used by your business) can be acquired from a related party. WRA works with your accountant to confirm compliance.
What deposit does an SMSF need?
SMSF LRBAs typically require a larger deposit — often 25–40% of the property value — depending on the lender, property type and fund position. The deposit comes from the fund's existing balance.
What documents are needed for an SMSF property loan?
Typically: the SMSF trust deed, fund financials, the SMSF investment strategy, ATO fund documents, a bare-trust deed, and corporate trustee details. Lenders also assess the fund's ability to service the loan from contributions and rent.
Can my SMSF buy commercial property from my own business?
Yes. Business real property can be sold to or acquired by your SMSF, and your business can then pay market rent to the fund. This is a common strategy, but it must be at market value and properly documented. WRA works with your accountant to structure it correctly.
How are SMSF loan repayments made?
Repayments come from the fund — typically rental income from the property and/or employer super contributions. The fund must be able to service the loan without relying on contributions that exceed the caps.
How is WRA involved in an SMSF property loan?
WRA arranges LRBA lending with specialist SMSF lenders, structures the loan to suit the fund's position, and works alongside your accountant and SMSF administrator to ensure the borrowing is compliant and the documentation is right.
Information on this page is general in nature. Lender policies, eligibility criteria, rates and lending limits can change. WRA will confirm applicable lender requirements based on your individual circumstances before making any recommendation.
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