Your Super, Working
Smarter for You.
Use your self-managed super fund to purchase investment property — residential or commercial. We structure SMSF loans that comply with ATO rules and maximise your fund's long-term performance.
Borrow inside your SMSF
A Self-Managed Super Fund (SMSF) loan — technically a Limited Recourse Borrowing Arrangement (LRBA) — allows your SMSF to borrow money to purchase a single investment asset. The property is held in a separate bare trust until the loan is repaid, at which point full ownership transfers to the fund.
It's one of Australia's most powerful wealth-building strategies — combining tax-advantaged superannuation returns with the capital growth and income of direct property investment.
- ✓ Rental income taxed at just 15% inside the fund
- ✓ Capital gains taxed at 10% (or 0% in pension phase)
- ✓ Fund members pool super to increase borrowing power
- ✓ Lender's recourse is limited to the purchased asset only
- ✓ Both residential and commercial property eligible
General information only. Tax outcomes vary by fund structure and individual circumstances. Please seek advice from a licensed financial adviser and SMSF specialist.
What Can Your SMSF Purchase?
SMSF loans can be used to acquire a wide range of investment-grade property assets — with strict rules around what is and isn't permitted.
Residential Investment Property
Purchase a residential property inside your SMSF for long-term capital growth and rental income. The property must be rented at market value and cannot be used by fund members or their relatives — it must be a genuine arm's length investment.
Enquire about residential SMSF →Commercial Property
One of the most popular SMSF strategies: business owners purchase their own commercial premises inside their SMSF and lease it back to their business. The business pays rent to the fund at market rate — effectively converting business expenses into super contributions.
Explore commercial SMSF →Industrial & Warehouse
Industrial property offers strong yields and can be an excellent SMSF investment. We work with lenders that specifically cater to SMSF purchases of industrial and warehouse assets — often with more flexible LVR policies than residential lenders.
Talk to us about industrial →Retail & Mixed Use
Retail shops, strata offices, and mixed-use properties can all be purchased via an SMSF LRBA. Careful lender selection is essential — not all funders accept these asset classes within super. We know which lenders are active in this space.
Discuss retail SMSF →Key SMSF Lending Rules
SMSF loans are tightly regulated. These are the core ATO compliance requirements your fund must meet.
Single Acquirable Asset
Each LRBA can only fund the purchase of a single asset (or collection of identical assets). You cannot use one loan to buy multiple properties — each requires its own separate borrowing arrangement.
Bare Trust Structure
The asset must be held in a separate bare trust (also called a holding trust or custody trust) until the loan is fully repaid. Only then does legal ownership transfer to the SMSF itself.
Arm's Length Transactions
All dealings — purchase price, rental rate, loan terms — must be at arm's length and reflect true market value. The ATO actively audits SMSF transactions for related-party arrangements that aren't commercially priced.
No Personal Use
Residential property purchased inside your SMSF cannot be lived in by fund members or their relatives at any time — not even temporarily. This is one of the most commonly breached rules, and penalties are severe.
Sufficient Fund Balance
Most lenders require your SMSF to have a minimum balance — typically $200,000 to $250,000 — before approving an LRBA. Lenders also stress-test whether the fund can service the loan without relying solely on contributions.
Investment Strategy
Your SMSF's investment strategy must explicitly allow for borrowing and property investment. Your strategy needs to be reviewed and documented before applying. We'll work with your accountant or SMSF administrator to ensure this is in order.
How SMSF Property Finance Works
SMSF loans are more complex than standard mortgages — but with the right broker, the process is clear and manageable. Here's how we take you from interest to settlement.
SMSF Assessment
We review your fund's balance, investment strategy, trust deed, and compliance status before anything else.
Lender Match
We identify lenders that accept your asset class, LVR, and fund structure — not all lenders are active in SMSF lending.
Bare Trust Setup
We coordinate with your solicitor and SMSF administrator to establish the bare trust structure required for the LRBA.
Loan Approval
We submit the full application and manage the approval process — including any lender-specific SMSF documentation requirements.
Settlement & Ongoing
We coordinate settlement with all parties and stay in contact for annual reviews — ensuring your strategy remains optimised.
SMSF Clients Who Built Wealth Smarter
Here's what our SMSF clients say about working with Multipart Finance on their property strategies.
SMSF Loan FAQ
Answers to the most common questions we receive about SMSF property lending.
Let's Find Your Best Rate
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Fast Response
We respond to all enquiries within 2 business hours, Monday to Friday.
Completely Free
Our broker service costs you nothing. We're compensated by the lender on settlement.
No Obligation
Get a complete picture of your options with zero pressure to proceed.
Your Retirement Savings
Deserve to Work Harder.
Book a free consultation with our SMSF lending specialists. We'll walk you through your options, assess your fund's readiness, and find the right structure for your goals.