An SMSF loan isn’t just a home loan in different packaging—it’s regulated differently and works under a Limited Recourse Borrowing Arrangement (LRBA). That means the property is held in a separate trust and the lender’s recourse is generally limited to that asset.
What this means for you
Fewer features: Typically no offset and no redraw, and extra repayments generally can’t be accessed later.
Usage rules: SMSF property is investment only; it can’t be lived in by you or related parties, and there are restrictions on renovations that fundamentally change the asset.
Compliance matters: All rent, repayments and expenses flow through the SMSF, and tax outcomes depend on whether your fund is in accumulation or pension phase—get licensed advice.
Our page on property finance for self-managed super funds covers deposits, liquidity buffers and holding trusts.
Our role: We coordinate with your accountant/adviser, set expectations on timelines and documentation, and help you choose the right loan path for your fund’s strategy.