Finance question
Can I get a business loan against property in an SMSF?
Sometimes, but it is specialised. Borrowing where a self-managed super fund holds the property runs through a limited recourse borrowing arrangement, with a narrower panel of lenders and strict rules. It can reach into the property-backed range, but the structure has to be right, so your accountant or adviser should be part of it.
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The short answer
Doable, but through the right structure
Property held inside a self-managed super fund is a different world to property you own personally. Lending against it runs through a limited recourse borrowing arrangement, where the loan is held in a specific way and the lender's recourse is limited to that single asset. Fewer lenders operate in this space, and the ones that do apply strict conditions, so it is very much a specialist match.
The rules around super are firm, and they sit outside what a broker decides. Whether a fund can borrow at all, and what the funds can be used for, depends on the fund's own rules and current super law. That is why your accountant, financial adviser or SMSF specialist needs to be in the room. We are not licensed to give super or investment advice, and we would not try to.
Where the structure does work, the security is still real estate, so pricing can be competitive relative to unsecured options. Our role is to package a compliant deal and take it to a lender that writes limited recourse arrangements, alongside the advice you get from your own professionals.
Do you qualify?
What an SMSF deal needs.
The right structure
A limited recourse borrowing arrangement set up correctly.
A compliant fund
The fund's rules must allow the borrowing.
Property in the fund
Residential or commercial held by the SMSF.
Professional advice
Your accountant or SMSF adviser guiding it.
Why SMSF lending is its own thing
Limited recourse only
Borrowing runs through a specific arrangement, not a normal mortgage.
Fewer lenders
Only some lenders write these, so the match is specialist.
Advice-led
Super and investment rules sit with your adviser, not the broker.
How it works
A fund holds a commercial unit its members bought years ago. With their accountant confirming the fund can borrow, a limited recourse arrangement is structured and taken to a specialist lender to release funds against the unit. The advice stays with their professionals, the lender match with us. Illustrative only.
Common questions
Frequently asked questions
Can my SMSF actually borrow against its property?
Sometimes, through a limited recourse borrowing arrangement, but it depends on the fund's rules and current super law. Your accountant or SMSF adviser should confirm it first.
Why are there fewer lenders for SMSF deals?
These loans run through a specialist structure with strict conditions, so only some lenders write them. Matching the fund to one of those lenders is the job.
Does Ventas give super or investment advice?
No. We are not licensed for that. We package and place the finance, while your accountant or SMSF adviser handles the super advice.
What can SMSF-borrowed funds be used for?
That is governed by super rules and the fund's own deed, which your adviser confirms. We work within whatever that allows.