Investing in Property via Your Superannuation
Utilizing a Self-Managed Super Fund (SMSF) to buy residential or commercial property can be an effective long-term wealth strategy, but it requires strict adherence to Australian tax and compliance laws. At Credoleap Finance, we help navigate the complex borrowing guidelines set by lenders and regulators, ensuring your SMSF loan is structured appropriately via a Limited Recourse Borrowing Arrangement (LRBA).
Commercial Property Business Real Property Rules
One of the distinct advantages of SMSF borrowing is that business owners can purchase a commercial premises through their super fund and lease it back to their own business. We help coordinate this specialized strategy, working with your financial advisers to make sure lender criteria and independent market rental conditions are satisfied.
Compliant Superannuation Lending
LRBA Structuring Support
We navigate strict SIS Act regulations, ensuring your Limited Recourse Borrowing Arrangement (LRBA) is fully compliant.
Residential & Commercial
Explore lending options for both residential investment properties and business real property acquisitions.
Liquidity Buffer Assessment
We help check that your loan structure preserves the mandatory post-settlement cash buffers required by SMSF lenders.
SMSF Property Borrowing FAQs
An LRBA is a compliant loan structure required for SMSF property purchases. It isolates the loan security to that single property asset. If a default occurs, the lender's recovery options are limited strictly to that property, protecting the rest of your super balance.
No. Residential properties bought through an SMSF must be maintained strictly for investment purposes. You, your family members, and any related parties cannot reside in, use, or rent the property.
Yes. An SMSF can purchase commercial "Business Real Property" and lease it back to a related business entity, provided the lease reflects strict, arms-length commercial terms and independent market rental rates.
SMSF loans typically require a larger equity deposit—often between 20% and 30%—plus a post-settlement liquidity buffer (often 10% of the property value) kept in cash or liquid assets within the fund.
Yes, subject to strict superannuation rules — this generally requires a Limited Recourse Borrowing Arrangement (LRBA) and compliance with the sole purpose test. This is a specialised area; we'd recommend involving your accountant or financial adviser alongside your broker.