Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.
Queensland | Lydian Financial Services
CHANGE LOCATION
Buying property inside a self managed super fund is a big move with strict rules. We help Queensland trustees understand SMSF lending and get the structure right, working alongside your advisers.
A self managed super fund, or SMSF, can borrow to buy property through a limited recourse borrowing arrangement, known as an LRBA. It is a specialist corner of lending with its own rules and its own set of lenders.
Under an LRBA, the property sits in a separate trust, and if something goes wrong the lender's claim is limited to that property rather than the rest of your fund. Getting that structure right is what keeps it compliant.
It works for some trustees and not others. The fund needs an appropriate balance, the right setup, and an investment that fits its strategy. None of that should be rushed.
We are mortgage brokers, not financial advisers, so we work in step with your accountant and licensed adviser. Our part is finding a suitable lender and arranging the loan correctly.
This is an area that rewards careful structure and the right people around you.
We help arrange your loan under an LRBA, coordinated with your accountant and licensed adviser.
An SMSF can borrow for residential or commercial property within the rules. We match the loan to the asset.
Not many lenders offer SMSF loans. We know the ones that do and compare them for suitable terms.
More Queensland trustees are weighing up property inside their super. Our brokers understand SMSF lending and the small group of lenders who handle it well.
We do the heavy lifting on the lending side, comparing specialist lenders and dealing with them on your behalf, while working in step with your accountant and licensed adviser.
Whether your fund sits in Brisbane, on the coast or in regional Queensland, let's look at whether SMSF lending fits your strategy.
A limited recourse borrowing arrangement is the structure that lets a self managed super fund 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 explain how it works in plain language during your consultation.
You may be able to, through an SMSF using an LRBA, but it does not suit everyone and the rules are strict. Your fund needs the right balance, setup and investment strategy. We assess the lending side and work with your adviser on whether it is right for you.
An SMSF can borrow for either, provided it fits the fund's strategy and the rules. Commercial property used by a related business is treated differently to residential. We match a suitable loan to the type of property you are considering.
SMSF loans generally call for a larger deposit than standard loans, with the exact figure depending on the lender and the property. The fund also needs enough liquidity for costs. We set out the requirements clearly before you proceed.
Yes, and this matters. We are mortgage brokers, not financial or tax advisers, so SMSF borrowing should sit alongside advice from a licensed financial adviser and your accountant. We handle the lending and coordinate with your professionals so the structure is sound.
Serving clients across Australia.
Authorised Representative no. 525 778
Specialist Financial Group Australian Credit Licence no. 387025
Lydian Financial Services Queensland
Phone: 0413 609 349
Email: contactus@lydian.com.au
Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.