CCS Lending Pyrmont assists clients with tailored SMSF lending solutions for a wide range of property investment scenarios. Whether you are purchasing an established dwelling, commercial premises, NRAS property, NDIS accommodation, leasehold property or heritage-listed asset, we help structure the loan around lender policy, fund compliance and your long-term investment strategy.

We work with selected bank and non-bank lenders that understand SMSF property finance, helping clients compare loan options, borrowing capacity, deposit requirements and suitable repayment structures.

What Types of Property Can an SMSF Purchase?

An SMSF may be able to purchase residential or commercial investment property, provided the transaction complies with superannuation rules and the property meets lender requirements. Common SMSF property lending scenarios include established residential properties, commercial premises, business real property, NRAS investments, NDIS accommodation and selected specialised securities.

How Does an SMSF Loan Work?

An SMSF loan allows a self-managed super fund to borrow money to purchase an eligible investment property through a limited recourse borrowing arrangement, commonly known as an LRBA.

Under this structure, the property is generally held by a separate bare trust or custodian trustee while the loan is in place. The SMSF receives the rental income, pays the loan repayments and remains responsible for ongoing property expenses such as insurance, maintenance, rates and compliance costs.

Because SMSF lending is highly regulated, strict rules apply. The property must be purchased for the purpose of providing retirement benefits to fund members, and residential property generally cannot be lived in, rented by, or acquired from a fund member or related party.

If the loan is repaid in full, the legal title can generally be transferred from the bare trustee to the SMSF trustee, subject to the loan structure and legal requirements.

SMSF loans can be a powerful way to build long-term retirement wealth through property, but they require careful planning, lender selection and professional advice.

Purchasing Property Through an SMSF

Purchasing property through an SMSF can involve additional complexity compared with a standard investment loan. The fund structure, trust deed, borrowing arrangement, property type, deposit, liquidity position and lender policy all need to be considered before applying.

Not all lenders offer SMSF property loans, and those that do may apply different rates, loan-to-value ratios, servicing rules and documentation requirements. This is why careful loan structuring is important from the beginning.

CCS Lending Pyrmont helps clients compare SMSF lending options across selected lenders and structure finance for residential, commercial and specialised property scenarios, including established dwellings, business premises, NRAS, NDIS, leasehold and heritage-listed properties.

Before proceeding, SMSF trustees should obtain independent legal, financial and tax advice to ensure the purchase aligns with the fund’s investment strategy and compliance obligations.