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SMSF loans Adelaide

Invest in property
through your super.

Lendology arranges SMSF lending for self-managed funds purchasing residential or commercial property - working alongside your financial advisor and accountant.

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Last reviewed: April 2026
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SMSF lending

Property investment through a self-managed super fund

Purchasing property within an SMSF requires a specific loan structure - a Limited Recourse Borrowing Arrangement (LRBA). Fewer lenders offer SMSF lending and the requirements are more complex than standard residential or commercial loans. Lendology identifies the right SMSF lender for your fund's position and works alongside your financial advisor and accountant throughout. Note: SMSF lending involves complex regulatory requirements. Lendology strongly recommends working with a licensed financial advisor and specialist SMSF accountant before proceeding.

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Trust deed review - The SMSF trust deed must permit borrowing. If it does not, it needs to be amended before lodging. This requires a specialist SMSF lawyer or accountant.
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Sole purpose test - The property must meet the sole purpose test - acquired solely to provide retirement benefits to fund members. SMSF property cannot be used by fund members or related parties.
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LVR limits - SMSF lenders typically apply lower LVR limits than standard residential lenders - often 70% to 80% for residential and lower for commercial. Lendology confirms the maximum LVR for your fund's position and property type.
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Fund cash flow - The SMSF must have sufficient cash flow to service the loan from within the fund - typically from member contributions and rental income. Lendology models the fund's cash flow position before lodging.
How it works

The Lendology process

1
SMSF compliance confirmation
We confirm the SMSF trust deed permits property borrowing. This typically requires input from your SMSF accountant before we proceed.
2
Lender identification
We identify SMSF-accredited lenders from our panel - fewer lenders offer SMSF loans and the terms, rates and LVR limits vary significantly.
3
LRBA structure
We ensure the Limited Recourse Borrowing Arrangement is structured correctly - including the bare trust and custodian requirements - coordinating with your legal advisor.
4
Application and settlement
We manage the SMSF loan application, coordinate with the custodian trustee and ensure settlement is compliant with SMSF regulations.
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Common questions

FAQs

What is an LRBA?
A Limited Recourse Borrowing Arrangement (LRBA) is the specific loan structure required for an SMSF to borrow money to purchase an asset. In an LRBA, the lender's recourse is limited to the asset being purchased - they cannot access other SMSF assets if the fund defaults. The asset is held in a separate bare trust (custodian trust) during the loan period and transferred to the SMSF once the loan is repaid.
Can an SMSF buy residential property?
Yes - an SMSF can purchase residential property through an LRBA, provided it meets the sole purpose test. The property cannot be used by fund members, their relatives or related parties. It must be purely an investment for the retirement benefit of fund members.
Can an SMSF buy commercial property?
Yes - and commercial property purchased by an SMSF can be leased to a related party (such as the fund members' own business) at market rates. This is a common strategy for business owners. Lendology arranges both residential and commercial SMSF loans.
Do I need a financial advisor for SMSF lending?
Lendology strongly recommends working with a licensed financial advisor and SMSF specialist accountant before proceeding with SMSF property lending. The regulatory requirements are significant and the consequences of non-compliance can be severe. Lendology arranges the lending component and coordinates with your other advisors.
No-obligation consultation

Considering SMSF property lending?

Book a chat with Jason or Steve. We discuss your fund's position and coordinate with your financial advisor and accountant throughout.

Lendology is paid by the lender at settlement. Our advice is at no cost to you.