Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.
Specialist lending solutions for residential property investors, commercial property investors and business owners purchasing their own premises through a Self-Managed Super Fund.
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.
We can help you understand your borrowing capacity, deposit requirements and available SMSF lending options before you start looking for a 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.
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.
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.
Understand approximately how much your SMSF may be able to borrow before committing to a property.
Finance for eligible residential investment property purchased through an SMSF.
Specialist lending for commercial and industrial property held within an SMSF.
Funding solutions for eligible business owners looking to have their SMSF acquire premises used by their business.
Review existing SMSF property loans to determine whether alternative lenders, pricing or loan structures may be available.
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.
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.
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.
A national network delivering lending advice and services across Australia.
Authorised Representative no. 525 778
Specialist Financial Group Australian Credit Licence no. 387025
Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.