Your Super Could Be
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As a general guide, most lenders require at least $200,000 in your fund. This ensures it can comfortably cover loan repayments, rates, insurance, and ongoing costs. Some lenders will consider less depending on the situation — your 15-minute discovery call will give you a clear answer.

LRBA stands for Limited Recourse Borrowing Arrangement — the legal structure that allows your SMSF to borrow to buy an asset. "Limited recourse" means if you default, the lender can only claim the specific asset, not everything else in your fund. Yes, if your SMSF is borrowing to buy property, you need one.

There are rules. Your SMSF can buy residential investment property and commercial property — but it cannot buy a property that you or a related party live in. Business real property (your own commercial premises) is an exception — it can be purchased and leased back to your business at market rates.

From initial conversation to settlement, typically 6–12 weeks. The main variable is how quickly the fund structure can be set up if it needs work. If your SMSF already has a corporate trustee in place, the process is significantly faster.

The initial discovery call is completely free. As a mortgage broker, we are paid by the lender on settlement — not by you. There is no fee for our service in most circumstances. We'll be transparent about any costs before you proceed.

Yes — this is actually very common. Many funds were set up years ago without property lending in mind. We'll identify exactly what needs to change and coordinate with your accountant or administrator to get it right before approaching any lender.

No. If you're starting from scratch, we can refer you to a trusted SMSF administrator who will set the fund up correctly from day one — which saves significant time and cost compared to having to restructure an existing fund later.

A Bare Trust (also called a Custodian Trust) is a mandatory legal requirement for any SMSF property purchase using borrowed funds. It holds the legal title of the property during the loan period on behalf of your SMSF. The critical thing to know: the Bare Trust must be established before you sign any property contract — it cannot be created retrospectively. This is one of the most common mistakes people make, and it can derail an entire purchase. We ensure your Bare Trust is correctly established before any contract is signed.

Yes — and it's one of the most powerful strategies available to small business owners. Your SMSF can purchase the property your business operates from (office, warehouse, retail space) and your business then pays market rent directly to the fund. The rent builds your retirement savings, your business secures long-term tenure over its premises, and the arrangement is fully ATO-compliant. If you're a business owner, this is absolutely worth a conversation.