SMSF Property Finance.
Specialist SMSF Property Finance for Brisbane Business Owners and Professionals.
SMSF can appear to be complicated but we take the guess work out of it. We’ve been doing it for 12 years. If your situation is complex, that’s exactly where we’re at our best.
✓ 12 Years SMSF Experience
✓ Residential & Commercial SMSF
✓ LRBA Specialists
THE BRIEF
What Is SMSF Property Finance?
SMSF property finance (formally known as a Limited Recourse Borrowing Arrangement, or LRBA) allows you to purchase property, residential or commercial, through your self-managed super fund. It’s complex, heavily regulated, and most brokers avoid it entirely. The lender pool is limited. The compliance requirements are strict. And getting the structure wrong can have serious consequences for your fund. At SET Finance, SMSF lending is a core specialisation. We’ve been navigating the compliance requirements, lender policies, and structural considerations involved in SMSF deals for 12 years.
WHO & WHAT WE HELP WITH
Why SMSF Lending Is Different
Limited Lender Pool
Most major banks have exited SMSF lending. We know which specialist lenders still actively write SMSF loans and which ones are best for your situation.
Strict Compliance
Every SMSF loan must comply with ATO regulations and the Superannuation Industry Act. One structural error can invalidate your fund.
Advisor Coordination Is Essential
Your financial planner manages the SMSF strategy. Your accountant handles the tax. We coordinate with both as standard not as an afterthought.
It Takes Longer
SMSF approvals take more time than standard loans. Realistic timelines and regular updates are how we manage this.
A Bare Trust is Required
The property must be held in a separate bare trust structure under LRBA rules. This needs to be established correctly before settlement, and your solicitor, accountant, and broker all need to be across it.
Deposit Requirements are higher
Most SMSF lenders require a minimum 20–30% deposit. Understanding your fund’s borrowing capacity before you start is critical to avoiding wasted time.
is this right for you
Who SMSF property finance is best suited for.
SMSF lending is not right for everyone. The regulations are strict, the lender pool is smaller, and the structure needs to be correct from the start. Here is who we typically work with:
Ready to Explore SMSF Property Finance?
HOW IT WORKS
A Clear Four-Step Process
1
Book a free strategy call
2
We review your structure, goals, and strategy
3
We research 40+ lenders and
present the right options
4
We manage the application and coordinate to settlement
faq
Common Questions
No. SET Finance is paid by the lender at settlement. There is no cost to you for using our services.
Yes complex income structures are one of our specialties.
Generally, lenders want to see at least $200,000–$250,000 in your SMSF before they’ll consider an LRBA. The exact minimum depends on the lender, the purchase price, and your fund’s overall financial position. A strategy call will give you a clear picture.
Yes this is one of the most common SMSF property strategies for business owners. Your SMSF purchases the property, your business leases it back at arm’s length (market rent), and the rent builds inside your super. It must be set up correctly from the start which is exactly what we do.
Typically 8–12 weeks from application to settlement longer than standard loans due to lender assessment requirements and compliance checks. We set realistic timelines upfront and provide weekly updates throughout.