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New South Wales | Lydian Financial Services
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Buying property through a self managed super fund is a significant decision with specific rules. We help trustees across New South Wales understand SMSF lending and work alongside your advisers to get the structure right.
A self managed super fund, or SMSF, can borrow to buy property through what is called a limited recourse borrowing arrangement, or LRBA. It is a specialist area of lending with its own rules and its own set of lenders.
Under an LRBA, the property is held in a separate trust, and the lender's recourse is limited to that property if anything goes wrong, rather than the rest of your fund's assets. This structure has to be set up correctly to stay compliant.
SMSF lending suits some trustees and not others. The fund needs sufficient balance, the right structure, and the investment has to fit your fund's strategy. This is exactly why it should never be rushed.
We are mortgage brokers, not financial advisers, so we work alongside your accountant and licensed adviser. Our role is to find a suitable lender and structure the loan correctly.
SMSF lending rewards careful structure and the right team around you.
We help arrange your loan under a limited recourse borrowing arrangement, coordinated with your accountant and adviser.
SMSFs can borrow for residential or commercial property within the rules. We match the loan to the property type.
Not every lender offers SMSF loans. We know the ones that do and compare them to find suitable terms.
Trustees across New South Wales are increasingly looking at property within their super. Our brokers understand SMSF lending and the small group of lenders who do it well.
We do all the heavy lifting on the lending side, comparing specialist lenders and liaising with them on your behalf, while working in step with your accountant and licensed adviser.
Whether your fund is based in Sydney, Newcastle, or regional New South Wales, let's explore whether SMSF lending fits your strategy.
A limited recourse borrowing arrangement, or LRBA, is the structure that allows a self managed super fund to borrow to buy an asset such as property. The property is held in a separate trust, and the lender's recourse is limited to that asset. We will explain how it works in plain language as part of your consultation.
You may be able to, through a self managed super fund using an LRBA, but it is not right for everyone and the rules are strict. Your fund needs the right balance, structure, and investment strategy. We will assess the lending side and work with your adviser on whether it suits you.
An SMSF can borrow for either residential or commercial property, provided it fits the fund's strategy and meets the rules. Commercial property used by a related business is treated differently to residential. We will match a suitable loan to the property type you are considering.
SMSF loans typically require a larger deposit than standard loans, and the exact figure depends on the lender and the property type. Your fund also needs enough liquidity to cover costs. We will explain the requirements clearly before you proceed.
Yes, this is important. We are mortgage brokers, not financial or tax advisers, so SMSF borrowing should be done alongside a licensed financial adviser and your accountant. We handle the lending and coordinate with your professionals so the structure is right.
Serving clients across Australia.
Authorised Representative no. 525 778
Specialist Financial Group Australian Credit Licence no. 387025
Lydian Financial Services New South Wales
Phone: 0413 609 349
Email: contactus@lydian.com.au
Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.