SMSF Property Lending and Wealth Finance Solutions
Borrowing within a self-managed super fund to acquire property is one of the most powerful wealth-building strategies available to high-income Australians. It is also one of the most complex. The regulatory requirements, limited recourse borrowing arrangement structures, and restricted lender panel make SMSF lending an area where specialist broker guidance is not just helpful: it is essential.
At Exec Finance, we work with lenders who actively support SMSF property lending and understand the specific requirements of limited recourse borrowing arrangements (LRBAs) under Australian superannuation law.
SMSF Lending Solutions
SMSF Residential Property
Acquiring residential investment property through your SMSF can offer significant long-term benefits, including concessional tax treatment on rental income and potential capital gains. We work with SMSF-specialist lenders to structure borrowing that complies with LRBA requirements while optimising your fund's position.
SMSF Commercial Property
For business owners and professionals, purchasing your business premises through your SMSF can be a particularly effective strategy. Your fund acquires the property, your business pays market rent to the fund (which is a tax-deductible expense), and the rental income flows into your super at concessional tax rates. We help structure this arrangement with lenders who understand the commercial SMSF lending landscape.
SMSF Refinancing
If your SMSF currently holds property with a loan, refinancing may offer opportunities to secure better terms, reduce costs, or restructure for improved cash flow within the fund. The SMSF refinancing process involves specific regulatory considerations that we navigate as part of our service.
Broader Wealth Structuring
Entity & Trust Structuring Support
Many high net worth Australians hold assets across a combination of personal names, family trusts, companies, and self-managed super funds. The way lending is structured across these entities can have significant implications for tax, asset protection, and estate planning. While we do not provide tax or legal advice, we work closely with your accountant, financial planner, and solicitor to ensure lending structures align with your broader wealth strategy.
Portfolio Lending
When you hold multiple properties across different entities, a holistic approach to lending can deliver better outcomes than treating each loan in isolation. We review your entire portfolio to identify opportunities for improved structures, better rates through consolidated relationships, and more efficient use of equity across your holdings.
Important Considerations
SMSF lending is subject to specific Australian superannuation regulations. Key considerations include:
We strongly recommend that any SMSF lending decision is made in consultation with your accountant. Exec Finance provides lending solutions, not financial, taxation, or legal advice. We can work directly with them on your behalf if needed.
Frequently Asked Questions
The information on this page is general in nature and has been prepared without considering your personal objectives, financial situation, or needs. Before acting on any information, you should consider its appropriateness having regard to your own objectives, financial situation, and needs and seek independent professional advice. Exec Finance Pty Ltd is a MedX Finance Operations PTY Ltd brand.