SMSF Lending

Invest in Property Through Your SMSF

Specialist lending solutions for residential property investors, commercial property investors and business owners purchasing their own premises through a Self-Managed Super Fund.

Residential & commercialBoth property types
LRBA structuresSet up correctly from the start
Adviser coordinatedWe work with your team
Why it is different

A more specialised lending structure


Buying property through an SMSF can be a powerful long-term wealth strategy, but the lending structure is more specialised than a conventional property loan.

At Lydian Financial Services, we help clients navigate the lending process, compare SMSF lending options and structure finance for residential and commercial property purchases. Whether you are building an investment property portfolio or looking to have your SMSF own the premises your business operates from, our lending specialists can help you understand your financing options.

SMSF property borrowing is generally undertaken through a Limited Recourse Borrowing Arrangement (LRBA) and is subject to specific superannuation rules and lending requirements.

How we can help

Three ways clients use SMSF lending

Residential Property Investment

We can help you understand your borrowing capacity, deposit requirements and available SMSF lending options before you start looking for a property.

  • SMSF residential investment loans
  • New property purchases
  • Refinancing existing SMSF property loans
  • Borrowing capacity and servicing assessments
  • Loan structure and repayment options
  • Comparing SMSF lenders and lending policies
  • Pre-purchase lending assessments
Commercial Property

SMSFs can invest in eligible commercial property, providing another way to build property exposure within a superannuation strategy. We work across banks and specialist SMSF lenders.

  • Offices
  • Warehouses and industrial property
  • Retail premises
  • Medical and professional suites
  • Commercial investment property
  • Business premises
Business Owners

Instead of paying rent to an unrelated landlord, your business may be able to lease qualifying business premises owned by your SMSF, provided the arrangement complies with superannuation law and is on appropriate commercial terms.

  • Purchasing new business premises
  • Commercial property acquisitions through an SMSF
  • Business real property transactions
  • Refinancing existing SMSF commercial loans
  • Assessing SMSF borrowing capacity
  • Comparing bank and specialist lender options
  • Coordinating the process with your advisers
Specialist support

Getting the structure right the first time


SMSF lending involves additional complexity. The ownership structure, SMSF trustee, holding trust, loan documentation and property transaction need to work together correctly.

Our role is to manage the lending component of the transaction and work collaboratively with your professional advisers. This coordinated approach can be particularly important, because mistakes in establishing an SMSF property transaction can be difficult and expensive to correct.

Financial AdviserAccountantSMSF AdministratorSolicitorProperty Adviser
Our SMSF lending services

What we do

SMSF borrowing capacity

Understand approximately how much your SMSF may be able to borrow before committing to a property.

Residential SMSF loans

Finance for eligible residential investment property purchased through an SMSF.

Commercial SMSF loans

Specialist lending for commercial and industrial property held within an SMSF.

Business premises

Funding solutions for eligible business owners looking to have their SMSF acquire premises used by their business.

SMSF loan refinancing

Review existing SMSF property loans to determine whether alternative lenders, pricing or loan structures may be available.

Lender comparison

SMSF lending policies vary considerably between lenders. We assess the transaction against a range of lender requirements rather than treating it as a standard property loan.

Start with a lending assessment

One conversation can tell you


SMSF property lending sits at the intersection of property, lending, superannuation and wealth strategy. Our role is not to provide SMSF, tax or financial advice. Our expertise is lending.

  • How much your SMSF may be able to borrow
  • How much deposit may be required
  • Which lenders may consider your transaction
  • Indicative loan repayments
  • The lending structure required
  • What information the lender will require
  • The steps involved from assessment to settlement

Thinking about buying property through your SMSF?

Speak with a Lydian SMSF lending specialist before you commit to a property. We will help you understand the lending landscape, assess your borrowing position and explain the next steps.

Lydian Financial Services provides credit assistance and lending services. SMSF property investment, taxation and superannuation structures can be complex. We recommend obtaining appropriate financial, taxation and legal advice before establishing an SMSF, changing an SMSF investment strategy or entering into a property transaction.