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SMSF Loans
Explore lending pathways for self-managed super fund property investment — subject to compliance, trustee requirements and lender approval.
Important — SMSF Lending
SMSF property lending involves specific legal, tax and compliance requirements. Any lending scenario is subject to fund structure, trustee arrangements, LRBA compliance, lender criteria and final approval. We strongly recommend you seek independent legal, financial and tax advice before proceeding. Information on this page is general in nature and does not constitute credit advice, financial advice or a loan offer.
SMSF property lending involves specific legal, tax and compliance requirements. Any lending scenario is subject to fund structure, trustee arrangements, LRBA compliance, lender criteria and final approval. We strongly recommend you seek independent legal, financial and tax advice before proceeding. Information on this page is general in nature and does not constitute credit advice, financial advice or a loan offer.
Who this may suit
SMSF trustees with a compliant fund structure exploring property investment
SMSFs with sufficient balance to service a limited recourse borrowing arrangement (LRBA)
Trustees who have obtained independent legal, financial and tax advice
Funds meeting minimum balance and serviceability thresholds set by lenders
Common use cases
Purchasing residential property inside an SMSF via LRBA
Purchasing commercial property inside an SMSF (e.g. business premises)
SMSF borrowing for industrial or mixed-use property
Exploring compliant LRBA structures with accredited lenders
Documents commonly required
SMSF trust deed (including all amendments)
Most recent SMSF financial statements and annual return
Member statements showing current balance
Trustee details — individual trustees or corporate trustee certificate
SMSF ABN and tax file number
Property contract of sale or details of target property
Accountant, auditor or financial adviser contact details
Evidence of SMSF compliance and current audit status
Individual trustee ID documents
Important considerations
SMSF lending is regulated under the SIS Act — the loan must comply with LRBA rules at all times
The property must be purchased for the sole purpose of providing retirement benefits to members
Lender appetite for SMSF loans is limited — not all lenders offer LRBA products
Minimum SMSF balance thresholds typically apply — lenders set their own requirements
Rental income, contributions and any other income must be sufficient to service the debt within the fund
Independent legal, financial and tax advice is strongly recommended before proceeding
Ongoing compliance, annual audits and contributions must continue to meet ATO requirements
All lending subject to lender assessment, compliance review, credit criteria and final approval
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Helpful official resources
The following links are to independent government and regulatory sources. They are provided for general reference only.
Important Information
Information on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute credit advice, financial advice, loan approval or a loan offer. Any lending outcome is subject to lender assessment, eligibility, verification, valuation, credit criteria, responsible lending obligations and final approval. Fees, charges, terms, conditions and lending criteria may apply. K&M Capital may assist borrowers by collecting enquiry information, helping prepare lending scenarios and connecting borrowers with brokers, lenders, service providers or referral partners where appropriate. K&M Solutions and Services Pty Ltd (ACN 649 305 126) does not hold an Australian Credit Licence.
Information on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute credit advice, financial advice, loan approval or a loan offer. Any lending outcome is subject to lender assessment, eligibility, verification, valuation, credit criteria, responsible lending obligations and final approval. Fees, charges, terms, conditions and lending criteria may apply. K&M Capital may assist borrowers by collecting enquiry information, helping prepare lending scenarios and connecting borrowers with brokers, lenders, service providers or referral partners where appropriate. K&M Solutions and Services Pty Ltd (ACN 649 305 126) does not hold an Australian Credit Licence.