Finance · 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.
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.
| Lender | Rate | Speed |
|---|---|---|
| Major bank | 6.99% | 4–8 wks |
| 2nd-tier bank | 7.29% | 3–6 wks |
| Non-bank | 7.79% | 2–3 wks |
| Private credit | 9.29%+ | 5–10 days |
Indicative only. Actual rates depend on credit profile, security and product. Comparison rates may differ.
Australian Credit Licence holder, AFCA member.
Most enquiries get a same-day or next-day answer.
Banks, non-banks and private credit on one panel.
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.
Typically 80% for residential and 70–75% for commercial within an SMSF, depending on the lender and the asset.
Yes — rates are usually 0.50–1.50% higher than standard loans because of the LRBA structure and recourse limits.
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