A self-managed super fund can borrow to acquire property through a limited recourse borrowing arrangement (an LRBA) — but the structure around that loan is what makes it work. AeFin arranges and structures SMSF lending for residential and commercial investment property, working with the specialist lenders who write it and structuring to their policy rather than discovering it at assessment.
What we structure
- Acquisition LRBAs — a single acquirable asset, held in a separate bare trust, with borrowing that is genuinely limited recourse.
- New-construction acquisitions — single-contract, turnkey builds acquired inside the fund. This is the area most plans get wrong; the full picture is on the SMSF + Construction page.
- Residential and commercial investment property held by the fund.
- The whole design — how the fund's cash, the contribution caps and the loan fit together so the structure works on day one and still works at completion.
Where our work stops
AeFin provides credit assistance and structuring. We do not advise on whether an SMSF is right for you, whether to establish one, or what it should invest in — those are decisions for your licensed financial adviser and accountant, and we work alongside them. The ATO's free SMSF video series is a sound, independent place to start.
Related
- SMSF + New Construction — the full picture
- Construction loans
- Business + SMSF
- SMSF loans — common questions
General information only — not personal financial product or credit advice. AeFin is an Australian Credit Representative (CR 464548) of Finsure (ACL 384704).