SMSF Residential Lending

SMSF Residential Lending

Buying residential property through your SMSF requires specialist lending advice and precise structuring. We help SMSF trustees secure compliant, well-structured residential loans that support long-term wealth outcomes — without unnecessary complexity or risk.

Whether you’re purchasing your first SMSF property or expanding an existing portfolio, we guide you through the lending process with certainty.

Clarity Before You Commit

SMSF residential lending is governed by strict rules, lender policies, and limited recourse borrowing arrangements (LRBAs). Getting this wrong can lead to delays, rejected applications, or compliance issues.

We provide clear upfront advice on:

• Borrowing capacity

• Property eligibility

• Fund structure requirements

So you can move forward knowing your strategy stacks up before you commit.

Loan Structures Built Around Your SMSF

Every SMSF is different. We assess your fund’s balance, contributions, investment strategy, and future plans to structure a residential loan that fits — both now and long term.

Our focus is on:

• Correct SMSF loan structuring

• Access to competitive SMSF lenders

• Sustainable repayments within your fund

All recommendations are aligned with SMSF legislation and lender requirements.

End-to-End Lending Management

SMSF property lending involves more parties and documentation than a standard home loan. We manage the process from strategy through to settlement, coordinating with your accountant, solicitor, and lender to keep everything moving.

You’ll benefit from:

• Fewer delays

• Clear communication

• A smoother path to settlement

Compliance-First. Outcome-Driven.

We prioritise compliant structuring and conservative lending advice that supports long-term outcomes — not short-term shortcuts.

Our approach is designed to:

• Protect your SMSF’s compliance

• Reduce avoidable risk

• Support sustainable property investment growth