An SMSF loan isn’t just a home loan in different packaging—it’s regulated differently and works under a Limited Recourse Borrowing Arrangement (LRBA). That means the property is held in a separate trust and the lender’s recourse is generally limited to that asset.

What this means for you

Fewer features: Typically no offset and no redraw, and extra repayments generally can’t be accessed later.

Usage rules: SMSF property is investment only; it can’t be lived in by you or related parties, and there are restrictions on renovations that fundamentally change the asset.

Compliance matters: All rent, repayments and expenses flow through the SMSF, and tax outcomes depend on whether your fund is in accumulation or pension phase—get licensed advice.

Our role: We coordinate with your accountant/adviser, set expectations on timelines and documentation, and help you choose the right loan path for your fund’s strategy.