SMSF property loans
Use your self-managed super fund to invest in property — residential or commercial — through a limited recourse borrowing arrangement, up to 80% LVR, for new and established funds.
Residential & commercial · New & established SMSFs · Up to 80% LVR
Two ways to buy property with your SMSF
Whether you're investing in a rental property or buying premises for your business, we have a dedicated pathway for each.
Buy a residential investment property
Grow your super through rental income and capital growth on an arm's-length residential investment.
Explore SMSF residential →
Buy commercial property or your own premises
Invest in commercial property, or buy the premises your own business operates from and lease it back.
Explore SMSF commercial →How borrowing to buy property in super works
An SMSF property loan lets your self-managed super fund borrow to buy property through a limited recourse borrowing arrangement (LRBA). The fund takes out the loan to acquire a single asset, which is held in a separate holding trust until the loan is repaid. Rental income and growth accrue to the fund, and because the borrowing is "limited recourse", the lender's rights are restricted to that one asset — protecting the rest of your super if something goes wrong.
The appeal of property inside super
Tax-advantaged growth
Returns accrue in the concessionally-taxed super environment.
Take control
Choose the actual property your retirement savings are invested in.
Diversify your fund
Add property alongside shares and cash to spread your fund's risk.
A familiar asset
An asset class many Australians understand and trust.
From strategy to settlement
Set up the structure
Your SMSF and a separate holding (bare) trust are established to hold the property under an LRBA.
Get your loan assessed
We assess serviceability on the fund's income and the property's rent, then structure the loan to suit.
Buy a single asset
The SMSF purchases one property — a residential investment or a commercial premises.
Repay & build wealth
Rent and contributions service the loan. Once repaid, title can transfer to the SMSF.
The key differences
Both let your SMSF own property, but the rules — especially around related parties — are very different.
| Residential investment | Commercial property | |
|---|---|---|
| Can you lease it to your own business? | No | Yes |
| Can your SMSF buy it from a related party? | No | Yes (business real property) |
| Who can rent it? | Unrelated tenant only | Unrelated tenant or your own business |
| Common use | Investment property | Own premises or investment |
| Maximum LVR (guide) | Up to 80% | Up to 80% |
SMSF lending at a glance
The standing basics for property lending in an SMSF. We'll confirm the finer detail with you directly based on your fund and the property.
A mortgage manager that approves the deals others decline
Specialist SMSF expertise
We structure SMSF property loans day in, day out — residential and commercial.
We consider more locations
Metro, high-density and regional property that many lenders won't touch.
New & established SMSFs
We accept applications from brand-new funds as well as established ones.
Mortgage-manager flexibility
As mortgage managers we can structure the loan to fit your fund.
Frequently asked questions
What is an SMSF property loan?+
Can my SMSF buy both residential and commercial property?+
What is a limited recourse borrowing arrangement (LRBA)?+
How much can my SMSF borrow to buy property?+
What's the difference between SMSF residential and commercial lending?+
Let's structure your SMSF loan.
Speak to a Greenline lender about buying or refinancing residential or commercial property inside your self-managed super fund.
SMSF borrowing is complex and this page is general information only — it is not financial, tax, credit or SMSF advice and does not consider your objectives or circumstances. Consider the appropriateness of any strategy and seek advice from a licensed financial adviser, accountant or SMSF specialist before acting. Lending criteria and LVRs are a guide and subject to lender policy and approval.