Self Managed Superfund Loans
(LRBA)
LRBA (Limited Recourse Borrowing Arrangement) is a special type of loan structure that allows a Self-Managed Super Fund (SMSF) to borrow money to buy a property, While protecting the rest of the SMSF’s assets from risk.
What Are The Lending Options Under LRBA?
LRBA (Limited Recourse Borrowing Arrangement) is a special type of loan structure that allows a Self-Managed Super Fund (SMSF) to borrow money to buy a property, While protecting the rest of the SMSF’s assets from risk.
Buying a residential or commercial property through your SMSF using an LRBA allows you to leverage your super to grow your wealth faster without needing the full purchase amount upfront.
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With an LRBA, your SMSF can borrow to invest, meaning you can secure an income-producing asset sooner, while rental income and your ongoing super contributions help repay the loan. All within a tax-effective environment.
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For commercial property, your own business can even pay rent to your SMSF, helping you build your retirement wealth instead of paying rent to someone else.
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It’s a smart strategy for people who want to take control of their super, invest in property, and use leverage to accelerate long-term growth — all while keeping other SMSF assets protected under the “limited recourse” safety rule.
Residential SMSF
Acceptable Property Types:
Houses, Townhouses, Units, Apartments & Rural Lifestyle​
​Loan Types:
Fixed or Variable​
Max LVR:
Up to 90%
Loan Term:
Up to 30 Years​​
Loan amount:
From $100k plus​​​
Repayment: Weekly, Fortnightly or Monthly​​
Commercial SMSF
Acceptable Property Types:
Mixed Use, Warehouses, Retail Shops, Office Space, Specialised Properties i.e. Petrol Stations/Childcare Centres​
​Loan Types:
Fixed or Variable​
Max LVR:
Up to 80%
Loan Term:
Up to 30 Years​​
Loan amount:
From $100k plus​​​
Repayment: Weekly, Fortnightly or Monthly​​
