SMSF Property Finance in Sydney
The rules for SMSF borrowing changed on 10 August 2026. We arrange the SMSF loans that are still permitted: commercial property purchases, and refinancing of loans a fund already holds.
What Changed on 10 August 2026
Since 10 August 2026, a Self-Managed Super Fund can only take out a new limited recourse loan (an LRBA) to buy real property if it is business real property, such as commercial premises used in a business. New SMSF loans for residential property are no longer permitted. Loans entered into before that date continue under the old rules, and they can still be refinanced.
This is general information, not financial, tax or legal advice. Whether a property qualifies, and whether your fund should borrow, are questions for your accountant and licensed financial adviser.
What We Arrange
SMSF Commercial Property Loans
Finance for a fund buying business real property.
Refinancing an Existing SMSF Loan
Moving a loan the fund already holds, residential or commercial, to a different lender.
How It Works
From understanding your goals to securing finance, we manage the process every step of the way.
Strategy Call
We assess your goals, circumstances and borrowing requirements.
Structure & Lender Selection
We identify the right lending strategy and shortlist suitable lenders.
Approval & Execution
We manage the application process, negotiations and approval pathway.
Settlement
Finance is secured and your lending solution is put in place.
SMSF Property Finance Questions Answered
Can my SMSF still borrow to buy a residential investment property?
Not with a new loan. From 10 August 2026, new SMSF borrowing for residential property is no longer permitted. If your fund already has a residential loan, it continues and can be refinanced.
Can an SMSF borrow to buy commercial property?
Yes, where the property is business real property. Fewer lenders offer these loans than standard loans, and each sets its own rules on deposit, fund balance and documents.
What will a lender ask for?
It varies by lender. Expect the fund's trust deed, recent financial statements and details of the property. We give you the exact list once we know which lenders suit.
Talk Through Your SMSF Loan
Tell us what the fund wants to buy or refinance and we'll tell you which lenders will consider it.