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Buying property through a self managed super fund is a significant decision with strict rules. We help South Australian trustees understand SMSF lending and get the structure right, 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 the 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 South Australian 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 is based in Adelaide or regional South Australia, 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 will explain how it works in plain language.
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 will 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 will 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 will 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.
Serving clients across Australia.
Authorised Representative no. 525 778
Specialist Financial Group Australian Credit Licence no. 387025
Lydian Financial Services South Australia
Phone: 0400 000 000
Email: contactus@lydian.com.au
Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.