The SMSF Lending Expert for SMSF Loans across Australia.
A Limited Recourse Borrowing Arrangement permits a Self Managed Super Fund to acquire a single acquirable asset using borrowed funds, held on trust by a separate custodian until the loan is discharged. Following the 2026 Federal Budget, which left section 67A SIS Act intact and the Division 296 $3 million threshold un-indexed, a correctly structured LRBA remains the most direct route to leveraged property exposure inside the concessional super environment. Brokerly coordinates the loan, the bare trust, the custodian appointment and the lender match in a single engagement.
Residential SMSF
Standard residential investment property held in your bare trust. Specialist non-bank lenders on our panel will fund SMSF residential LRBAs up to 90% LVR for the right structure, we'll match the right one to your fund.
Commercial SMSF
Buy your business premises through your SMSF and lease back at market rent, fully deductible to the operating business. Specialist SMSF lenders go to 80% LVR on commercial security.
NDIS / SDA SMSF
Specialist Disability Accommodation as an SMSF asset class. Tight lender pool, we know who plays.
The LRBA, framed properly, by an SMSF Lending Expert
A Limited Recourse Borrowing Arrangement is the sole statutory pathway by which an SMSF may borrow to acquire property. Title is held by a custodian on bare trust for the fund until the loan is repaid, at which point legal title transfers in. On default, the lender's recourse is confined to that single asset; the balance of the fund's portfolio is unaffected.
LRBAs are governed by section 67A of the SIS Act and tested against the non-arm's-length income and expenditure provisions (NALI/NALE). A defective structure, incorrect custodian, related-party terms outside market parameters, improvements financed inside the loan, exposes the entire arrangement to taxation at 45%. The 2026 Budget did not soften any of these tests; if anything, ATO compliance focus has intensified. We engineer the structure to withstand audit on day one.
Trustee readiness checklist
- ✓SMSF established & registered with the ATO
- ✓Corporate trustee (preferred by most lenders)
- ✓Investment strategy documents updated
- ✓Bare trust & custodian trustee in place
- ✓Liquidity ratio meets lender minimum (usually 10%)
- ✓Contribution & rental serviceability modelled
How the 2026 Federal Budget affects SMSF borrowers
Section 67A of the SIS Act is untouched and the Division 296 $3M threshold remains un-indexed. Read the full breakdown of what the 2026 Budget means for trustees running an LRBA inside their fund.
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