SMSF residential property loans.
Buying residential investment property inside your SMSF can be powerful for long-term wealth building — provided the structure, liquidity, and lender panel are all lined up before you sign anything.
The five-minute version.
An SMSF can borrow to acquire a single residential property via an LRBA. The SMSF needs a bare trust set up before contracts are signed — getting this sequence wrong is the most common costly mistake. The SMSF also needs to meet the lender's liquidity test (usually 10% of the loan balance held in cash or liquid assets after settlement) and needs to show ongoing serviceability from contributions and rental income.
LVR is typically capped at 70-80% for SMSF residential. Rates are slightly higher than standard investor loans. The lender panel is small — second-tier banks and non-bank specialists dominate. We do not sell SMSF products; we only help structure the lending side once you and your financial adviser have decided SMSF property is the right strategy.
SMSF residential FAQs
Can the SMSF buy a property from a related party?
Can I live in the SMSF property?
What happens if the SMSF can't service the loan?
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