SMSFLend
Australia's SMSF Lending Experts

The SMSF Lending Experts for SMSF property investment across Australia.

For trustees who want their fund's next acquisition handled with precision. We architect compliant Limited Recourse Borrowing Arrangements (LRBAs), residential, commercial and NDIS, across more than thirty super-active lenders. The 2026 Federal Budget left section 67A of the SIS Act untouched and held the Division 296 threshold at a nominal, un-indexed $3 million; for funds positioned correctly, the borrowing window has rarely been more strategically valuable.

Book a strategy call →Why the 2026 Budget matters
  • ✓ MFAA member
  • ✓ Major banks, Tier-2 & specialist non-banks
  • ✓ Bare trust & custodian
  • ✓ 10+ years SMSF lending
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Warning: This information is general in nature and does not constitute financial, tax, or legal advice. It has been prepared without taking into account your objectives, financial situation, or needs. Consult with a licensed financial adviser or tax agent before making decisions regarding an SMSF.

$3M
Div 296 cap (un-indexed)
90% / 80%
Residential / Commercial LVR
3 tiers
Banks · Tier-2 · Non-banks
10+ yrs
SMSF lending experience
Our SMSF lender panel spans
Major BanksTier-2 BanksMutual Banks & Customer-OwnedSpecialist Non-Bank SMSF FundersCommercial / SMSF Property LendersNDIS / SDA Specialist LendersPrivate Credit FundersMajor BanksTier-2 BanksMutual Banks & Customer-OwnedSpecialist Non-Bank SMSF FundersCommercial / SMSF Property LendersNDIS / SDA Specialist LendersPrivate Credit Funders
Why SMSF · Why now

The 2026 Budget made SMSF property investment the smarter pathway.

The 2026 Budget confirmed two outcomes that materially favour trustees who borrow through their fund. First, Division 296, the additional 15% earnings tax on the proportion of a member's balance above $3 million, proceeds at a nominal, un-indexed threshold. Second, the Limited Recourse Borrowing Arrangement framework under section 67A SIS Act was preserved without amendment. The combined effect is a defined, time-bounded window: acquire and gear quality property inside super while contributions and earnings still compound at concessional rates, and structure a measured exit before the un-indexed cap silently erodes the concession.

  • ● 15% concessional tax on rent in accumulation phase.
  • ● Effective 10% CGT after 12 months, 0% in pension phase.
  • ● Borrow up to 90% LVR residential / 80% commercial via a compliant LRBA.
  • ● Asset is ring-fenced from your personal balance sheet.
Read the full 2026 Budget breakdown →

SMSF property investment vs personal-name: tax on $50,000 rent

Personal name (37% MTR)$18,500
SMSF accumulation$7,500
SMSF pension phase$0

Illustrative. Actual outcome depends on contributions, member age, and pension status.

!

Warning: This information is general in nature and does not constitute financial, tax, or legal advice. It has been prepared without taking into account your objectives, financial situation, or needs. Consult with a licensed financial adviser or tax agent before making decisions regarding an SMSF.

How we work

How an SMSF Lending Expert runs an SMSF Loan in Australia, end to end.

SMSF lending is decided at the structure, not the rate sheet. We coordinate trustee documentation, the bare trust, custodian appointment, lender selection and settlement as a single engagement, the post-2026-Budget compliance environment leaves no margin for a fragmented process.

  1. 1

    Discovery & fund review

    We map your fund's balance, liquidity, contribution pattern and member ages, the four numbers every SMSF lender scores.

  2. 2

    Structure check

    Corporate trustee, bare trust, custodian, investment strategy. Anything missing gets fixed before we touch a lender.

  3. 3

    Lender match

    We compare 30+ SMSF-active lenders. Most retail brokers know two or three. Each lender weighs liquidity, property type, and trustee differently.

  4. 4

    LRBA application

    Compliant Limited Recourse Borrowing Arrangement, written so the auditor signs off without queries.

  5. 5

    Settlement & beyond

    Property settles into the bare trust. Rent flows to the SMSF. We stay on as your specialist broker for the life of the loan.

Plain-English explainer

A trustee's view of SMSF borrowing, and where the 2026 Budget moved the line.

A Self Managed Super Fund is a private superannuation fund regulated by the ATO under the Superannuation Industry (Supervision) Act 1993. Approximately 1.1 million Australians act as trustee of one. Since the 2007 amendments to section 67 SIS Act, an SMSF has been permitted to acquire a single acquirable asset using borrowed funds , provided the borrowing is constituted as a Limited Recourse Borrowing Arrangement.

The defining feature of an LRBA is the limitation of recourse. On default, the lender's rights are confined to the asset held in the separate holding (bare) trust; all other fund investments, listed equities, cash, fixed interest, remain insulated. This ring-fence is the constitutional basis of the arrangement and the reason the statutory and regulatory perimeter is policed so tightly.

The 2026 Federal Budget did not amend section 67A, did not introduce a sunset on existing LRBAs, and did not extend look-through treatment to additional asset classes. What it did do, by reaffirming the un-indexed Division 296 threshold, was compress the planning horizon during which a leveraged super-fund acquisition is demonstrably the most tax-efficient way for a trustee to compound real-asset wealth.

The structure is best suited to trustees with a fund balance above $200,000, consistent concessional contributions, a serviceable rental yield on the target asset, and a long enough horizon to withstand at least one full property cycle. Where any of those preconditions are absent, we will say so plainly and triage the strategy through the wider Brokerly network. Where they are met, the case, particularly for self-employed members, business owners acquiring their own premises, and higher-income PAYG members approaching personal deductibility limits, has strengthened materially under the 2026 settings.

SMSF Compliance Checklist

The compliance bar every SMSF Loan in Australia must clear before a lender will look at it.

Lender credit teams assess SMSF applications against a tighter compliance lens than standard residential lending. The post-2026-Budget environment has not relaxed any of it. Use this checklist as a pre-flight; we'll close any gaps before the application touches a lender.

Get a compliance review →See loan options
1

Fund established and registered with the ATO

SMSF registered, ABN issued, TFN active, electing to be regulated under the SIS Act. Fund must be complying at the time of application.

2

Corporate trustee in place

Most SMSF lenders now require a corporate (not individual) trustee. ASIC-registered Pty Ltd, with all members appointed as directors.

3

Investment strategy documents the LRBA

The fund's written investment strategy must specifically contemplate borrowing, the asset class, diversification and liquidity in accordance with reg 4.09 SIS Regulations.

4

Bare trust and custodian trustee established

A separate holding (bare) trust deed with a custodian corporate trustee, established before contracts are exchanged, with a unique ACN and ABN.

5

Single acquirable asset, on arm's-length terms

Section 67A SIS Act limits each LRBA to one acquirable asset. The contract, loan and any related-party lease must satisfy NALI / NALE on arm's-length terms.

6

Liquidity ratio meets lender minimum

Most lenders require ~10% of total fund assets in cash post-settlement, after deposit, stamp duty and acquisition costs.

7

Concessional contributions and rent service the loan

Lenders model serviceability against employer/SG contributions, voluntary concessional contributions and the asset's contracted rent, stressed at the lender's assessment rate.

8

Members and trustees pass identification and conduct checks

ID, residency, no undischarged bankruptcies, no disqualified-trustee status under section 126K SIS Act.

9

Independent legal and financial advice (lender requirement)

Most lenders require signed acknowledgements that trustees have received independent legal advice on the LRBA and independent financial advice on the strategy.

10

Annual audit by an ASIC-approved SMSF auditor

Ongoing requirement. The arrangement must be documented to a standard the fund's auditor can sign off without qualification each year.

General information only, not legal, tax or credit advice. Individual lender policies vary; we will confirm the exact requirements once we know your fund and target asset.

Expert Team · E-E-A-T

Meet the SMSF Lending Expert behind every file.

SMSF lending is a specialist discipline. You should know exactly who is structuring your Limited Recourse Borrowing Arrangement, what they're accredited to do, and where their experience sits in the market.

Tommy Anderson, MFAA-accredited SMSF Lending Expert and principal broker for SMSF Property Investment in Australia
10+ yrs
SMSF lending
MFAA
Accredited broker
Principal SMSF Lending Specialist

Tommy Anderson

MFAA Accredited Finance Broker · Diploma of Finance & Mortgage Broking Management · Australian Credit Licence representative · brokerlymasterclass.com.au

Experience. Tommy has structured SMSF Loans across Australia for more than a decade, with hands-on experience writing Limited Recourse Borrowing Arrangements across residential, commercial and NDIS / SDA security. He works on every SMSF Lend file personally; nothing is handed to a junior.

Expertise. Specialist focus on SMSF property investment: section 67A SIS Act structuring, bare-trust and custodian setup, NALI / NALE arm's-length compliance, Division 296 planning, and placement across 30+ SMSF-active lenders, including specialist non-bank programs that go to 90% LVR on residential security.

Authoritativeness. Accredited member of the Mortgage & Finance Association of Australia (MFAA) , Australia's peak professional body for finance brokers, and an Australian Credit Licence representative operating under the Brokerly group.

Trustworthiness. Every recommendation is documented to a standard the fund's auditor can sign off without qualification, with all remuneration disclosed in writing in the Credit Guide and Credit Proposal.

Book a call with Tommy →Connect on LinkedIn →Follow on TikTok @tommybrokerly →More about the team
Scenarios we structure

The kinds of SMSF lending scenarios we structure across Australia.

Each is a compliant Limited Recourse Borrowing Arrangement under section 67A of the SIS Act. Specific loan amounts, lender names and trustee details are kept confidential, we'll walk you through what's achievable for your fund on a private call.

Commercial

Business premises into super

Self-employed members acquiring their own commercial premises into the SMSF on an arm's-length lease, rent flows back to the fund. Specialist non-bank panel typically writes commercial SMSF LRBAs to 80% LVR.

Residential

Higher-LVR residential SMSF loan

When a major bank caps a residential SMSF deal at 70–80% LVR, we look at specialist non-bank programs that extend to 90% LVR for qualifying trustees, preserving more cash inside the fund for the liquidity buffer.

NDIS / SDA

NDIS / SDA property acquisition

Purpose-built Specialist Disability Accommodation dwellings sit in a tight lender pool. We place these files with the small group of specialists who understand SDA cashflow and pricing.

Illustrative scenarios only. Each SMSF application is assessed on individual fund and member circumstances; lender policy, LVR and pricing are subject to change.

Specialist Lender Spotlight

Up to 90% LVR on residential SMSF loans, via specialist lenders the majors won't match.

Most major banks have quietly retreated from SMSF lending, or cap residential LRBAs at 70–80% LVR with restrictive policy. A small set of specialist non-bank lenders still actively write SMSF loans, and, for the right structure, will fund up to 90% LVR on residential security and 80% on commercial. We hold accreditation across the full specialist panel and place each file with the lender best matched to the fund.

Specialist lender
Up to 90% LVR · Residential SMSF

Specialist Residential Lender A

A specialist non-bank SMSF program that goes to 90% LVR for qualifying trustees, territory the majors have walked away from. Flexible on contributions, self-employed members and unique fund structures.

Specialist lender
Up to 90% LVR · Residential SMSF

Specialist Residential Lender B

A second specialist SMSF product also extending to 90% LVR on residential security with competitive specialist pricing, a genuine alternative when bank policy says no.

Specialist lender
Up to 80% LVR · Commercial SMSF

Specialist Commercial Panel

For commercial property, your own business premises, retail, industrial or office, our specialist non-bank panel writes SMSF LRBAs to 80% LVR, where most majors stop at 65–70%.

Why it matters: a higher LVR means less cash locked into deposit, and more fund liquidity preserved post-settlement.

At 90% LVR on a $700,000 residential property, your fund contributes ~$70,000 to deposit instead of ~$140,000–$210,000. That's the difference between settling now and waiting two more contribution cycles. We'll match your fund to the right specialist lender on day one.

Check your specialist-lender fit →

Lender names referenced for product-availability context. Maximum LVR subject to lender credit policy, fund structure, member profile and security type at time of application.

The go-to broker for SMSF lending

Most brokers settle a handful of SMSF loans a year. An SMSF Lending Expert settles them every week.

SMSF lending isn't a side product, it's a dedicated specialty inside the award-winning Brokerly group. We know which of our 30+ lenders accept your trustee structure, your liquidity ratio, your contribution pattern, and your property type before we apply.

Talk to the SMSF team →
The Brokerly network

One specialist team. Three focused brands.

Each Brokerly brand goes deep on a single lending niche. SMSF Lend handles super-fund property. Guarantors handles family-pledge home loans.Brokerly handles broad mortgage strategy.

Mortgage strategy
Brokerly

Forensic mortgage strategy that pays your home off years sooner.

brokerlyco.com →
$0 deposit
Guarantors.com.au

Australia's specialist guarantor loan brokerage.

guarantors.com.au →
Tools · Coming soon
SMSF Calculator

Model your SMSF property purchase, LVR and tax position.

smsfcalculator.com.au →

Make your super work harder with an SMSF Lending Expert.

A free 20-minute strategy call with Australia's SMSF lending specialists. We'll model your fund's borrowing capacity, lender match, and post-2026-budget tax position.

Book your strategy call →