Specialist self-managed super fund lending solutions for purchasing eligible business premises and commercial property or refinancing an existing LRBA.
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Buying property through a self-managed super fund (SMSF) involves lending rules that don't apply to standard home or investment loans. SMSF property purchases using borrowed funds must generally be structured through a limited-recourse borrowing arrangement (LRBA), which comes with specific legal, lending and compliance requirements.
From 10 August 2026, SMSFs generally cannot enter into new limited-recourse borrowing arrangements to acquire residential real property. Existing LRBAs entered into before that date, refinancings of those arrangements and acquisitions under binding contracts exchanged before that date are not affected. SMSFs may still acquire residential property without borrowing, subject to superannuation law and the fund’s investment strategy.
As an SMSF mortgage broker, 3LANE Finance helps trustees navigate this specialised lending landscape. We compare lenders offering commercial SMSF loans, explain how different lending policies may affect your borrowing capacity and structure finance that aligns with your fund's trust deed, cash flow and long-term investment strategy. Whether you're purchasing your first commercial property through your SMSF or refinancing an existing LRBA, we provide guidance based on current lender policy and the legislative framework.
Common SMSF property strategies:
SMSF property finance requires specialist knowledge. We understand the lenders that remain active in this market, how they assess applications and how to structure your loan to meet both lender requirements and SMSF regulations.
Not every lender offers SMSF loans, and those that do often have very different lending criteria. We compare a range of lenders that actively finance SMSF property purchases, helping you identify suitable options available through our lender panel.
SMSF lending involves trust structures, limited-recourse borrowing arrangements (LRBAs) and strict compliance requirements. We understand these complexities and structure your application accordingly, rather than treating it like a standard residential or commercial loan.
From 10 August 2026, SMSFs generally cannot enter into new LRBAs to acquire residential real property. Existing LRBAs entered into before that date, eligible refinancings and acquisitions under binding contracts exchanged before that date are not affected. New property LRBAs remain available for eligible business real property, subject to superannuation law and lender requirements. We stay across legislative developments and changing lender policies so you receive guidance based on current requirements.
From assessing your borrowing capacity to settlement, we manage the lending process on your behalf and keep all trustees informed every step of the way. Our goal is to make SMSF finance as streamlined as possible.
SMSF lending involves specialised lending rules, limited-recourse borrowing arrangements (LRBAs) and changing lender policies. We guide you through the process, helping you structure your finance correctly and choose a lender that suits your fund's investment strategy.
SMSF property lending is governed by specialised legislation that differs from standard home and investment loans. From 10 August 2026, SMSFs generally cannot enter into new LRBAs to acquire residential real property. Existing LRBAs entered into before that date, eligible refinancings and acquisitions under qualifying pre-commencement contracts are not affected. New property LRBAs remain available for eligible business real property, while SMSFs may also acquire residential property without borrowing, subject to superannuation law and the fund’s investment strategy. If you're considering buying property through your SMSF or reviewing an existing loan, it's important to understand both the legislation and current lender requirements before proceeding. As an SMSF broker, we know which lenders actively support SMSF lending and how their policies differ. We also work closely with your accountant, financial adviser and solicitor to help ensure your finance strategy aligns with your fund's objectives and compliance obligations.
We review your fund's structure, trust deed, cash flow, existing assets and investment objectives to determine the finance options available to your SMSF.
We compare lenders, confirm eligibility, structure the appropriate limited-recourse borrowing arrangement (where applicable) and work with your professional advisers to ensure the loan is set up correctly.
We prepare your application, liaise with the lender and your advisers, and guide you through the process until settlement, keeping you informed at every stage.
Estimate your repayments using indicative figures. We’ll review your circumstances and confirm the lender-specific figures that apply to you.
Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.
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Quick answers for clients comparing finance options.
From 10 August 2026, an SMSF generally cannot enter into a new LRBA to acquire residential real property. However, existing LRBAs entered into before that date, eligible refinancings and acquisitions under qualifying pre-commencement contracts are not affected. An SMSF may also purchase residential property without borrowing. We can explain the lending implications and available finance options, working alongside your accountant, financial adviser and solicitor.
An SMSF may use an LRBA to acquire eligible business real property, subject to superannuation law, lender requirements and the fund’s circumstances. Business real property generally means land and buildings used wholly and exclusively in a business. We can compare lenders that actively support this type of SMSF lending and coordinate the finance process with your professional advisers.
Yes. The legislative changes do not prevent the refinancing of an existing LRBA entered into before 10 August 2026, provided the refinancing satisfies the applicable legal and lender requirements. We can review the existing facility and compare refinancing options available through our lender panel.
SMSF borrowing can affect your fund’s investment and compliance position. We do not provide financial, tax or legal advice, and we recommend obtaining advice from appropriately qualified professionals. We work alongside your accountant, licensed financial adviser and solicitor, while our role is to arrange the finance and coordinate the loan application with the selected lender.
A limited-recourse borrowing arrangement (LRBA) is the legal structure that allows an SMSF to borrow money to purchase certain assets. If the loan defaults, the lender's rights are generally limited to the asset held under the LRBA rather than the SMSF's other assets. Your solicitor typically establishes the LRBA as part of the purchase process.
Not every lender offers SMSF loans, and those that do often apply different lending criteria. We stay up to date with lenders that actively support SMSF lending and compare their policies to identify lending options that may suit your fund’s circumstances.
In many cases, yes. An SMSF may be able to purchase business real property that is leased to a related business, provided the arrangement complies with the relevant superannuation rules. We work alongside your accountant, financial adviser and solicitor to help structure the transaction correctly.
Any broker fee will depend on the nature and complexity of the transaction. Before proceeding, we will clearly disclose any fee payable to 3LANE Finance, together with any lender-paid commission. Separate lender, valuation, legal and professional-adviser costs may also apply.
Deposit and liquidity requirements vary between lenders and depend on factors including the property, loan amount, fund balance, contributions, rental income and ongoing expenses. We assess these factors against current lender policies and provide an indication of the finance options available before you proceed.
Approval timeframes vary depending on the lender, your SMSF structure and whether all required documentation is available. Because SMSF lending is more specialised than standard residential or commercial lending, approvals can take longer. Once we understand your circumstances, we'll provide a realistic timeframe and guide your application through to settlement.
Tell us about your fund and the property you have in mind, and we'll outline the lenders and structures that may fit. We're happy to work alongside your accountant or adviser.
