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.
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.
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.
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
