Finance · Australia
SMSF Property Loans (LRBA) Australia
Limited Recourse Borrowing Arrangements for residential and commercial property held in a self-managed super fund.
Quick answer
SMSF property loans use a Limited Recourse Borrowing Arrangement (LRBA) where the property is held by a bare trust. OzyLoans arranges SMSF loans up to 80% LVR (residential) or 75% LVR (commercial) from specialist SMSF-experienced lenders across Australia.
Why SMSF Property Loans with OzyLoans
- Residential to 80% LVR
- Commercial to 75% LVR
- LRBA-compliant structures
- SMSF-experienced lenders
Repayment calculator
Indicative only. Actual repayments depend on lender, credit profile, fees and product. Use this as a starting point — we'll provide a precise comparison on enquiry.
Funding classes
| Funding class | Typical use | Indicative speed |
|---|---|---|
| Major bank | Lower-cost long-term debt where policy and servicing fit | Typically several weeks |
| Second-tier bank | Broader credit appetite than some major banks | Often a few weeks |
| Non-bank | Flexible servicing and property assessment | Often faster than banks |
| Private credit | Speed and flexibility for complex or time-critical scenarios | Can move quickly, subject to due diligence |
General guidance only — not current pricing or a lender offer. Actual rates, leverage, documentation and timeframes vary by lender, security, borrower profile and transaction, and are confirmed on assessment.
ACL #485752
Australian Credit Licence holder, AFCA member.
24-hr indicative
Most enquiries get a same-day or next-day answer.
Banks, non-banks & private
Banks, non-banks and private credit on one panel.
Frequently asked
Can my SMSF borrow to buy property?+
Yes — through a Limited Recourse Borrowing Arrangement (LRBA). The property must be held by a bare trust and the loan can only be recourse to that single asset.
What's the maximum LVR?+
Typically 80% for residential and 70–75% for commercial within an SMSF, depending on the lender and the asset.
Are SMSF loans more expensive?+
Yes — rates are usually 0.50–1.50% higher than standard loans because of the LRBA structure and recourse limits.
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