Can You Buy Land With Your SMSF? What Trustees Need to Know
One of the more frequent questions we receive from SMSF trustees is whether the fund can buy vacant land or enter into a house and land package. The short answer is: it depends on how the purchase is structured and funded. The distinction between using the fund’s own cash and borrowing through an LRBA makes […]
Section 32 Vendor Statement and SMSF Property Purchases in Victoria
If you are purchasing property through your self-managed super fund in Victoria, you will receive a Section 32 Vendor Statement before you are asked to sign the Contract of Sale. This document is mandatory under Victorian property law and contains disclosures about the property that every buyer must review before proceeding. For SMSF trustees, the […]
LRBA Explained: How the Limited Recourse Borrowing Arrangement Works
An LRBA, or Limited Recourse Borrowing Arrangement, is the only loan structure through which a self-managed super fund can borrow money to purchase an investment property. If you are considering SMSF property investment using borrowed funds, understanding how an LRBA works is essential before you proceed. What Is a Limited Recourse Borrowing Arrangement? A Limited […]
Buying a Residential Property Through Your SMSF Before 10 August? Here’s What You Need to Know
If you’re considering buying a residential investment property through your Self-Managed Super Fund (SMSF) using a Limited Recourse Borrowing Arrangement (LRBA), timing has never been more important. Under the proposed legislation, residential property purchased using an LRBA may only remain eligible if the contract is entered into on or before 10th August 2026. Before rushing into a purchase, it’s important to understand […]
Thinking About Buying Residential Property Through an SMSF?
Here Are 5 Things to Know Before the Proposed 45-Day Deadline. The Labor Government has reached an agreement with the Greens to introduce new legislation affecting SMSF residential property investment. The changes come amid growing concern over the way some online property spruikers have been promoting buying residential property through a self-managed super fund (SMSF) […]
What Are the Current SMSF Loan Interest Rates in Australia(2026 Update)?
When you borrow to invest in property through your self-managed super fund (SMSF), the loan must be structured as a Limited Recourse Borrowing Arrangement (LRBA). SMSF loan interest rates are set independently by each lender and sit consistently higher than standard investment home loans. Understanding why and what to expect in 2026 is the first […]
SMSF Commercial vs Residential Property: Which Is Right for Your Fund?
You’ve built a successful business, you’re paying rent every month, and your SMSF has been quietly growing. At some point, the question becomes: should I use my super to buy a property, and if so, which type? Within the Australian landscape, SMSF commercial vs residential property is one of the most important decisions a trustee […]
The Hidden Costs of Purchasing Property in an SMSF
Most SMSF property buyers focus on two numbers: the deposit and the stamp duty. Both are significant. Neither is the complete picture. The cost of buying property through an SMSF involves multiple layers of expense that sit entirely outside a standard property transaction, compliance costs, lending-specific fees, and structural setup requirements that apply whether you […]
Buying Your Own Business Premises Through an SMSF
For many business owners, commercial rent is simply accepted as a cost of operating. Every month a payment goes out the door to a landlord, and the focus stays on running the business itself. But at some point, a straightforward question tends to emerge. If your business is paying rent regardless, why not direct those […]
SMSF Property Purchase Rules Guide
Buying Property With SMSF: The Strategic Guide To High-Performance Asset Growth In 2026, the Australian property market remains a primary driver of long-term wealth. For many Australians, the most significant pool of capital they own is locked within their superannuation. Buying property with an SMSF allows you to leverage that capital to purchase residential or […]
What is Bare Trust? (And why Your SMSF Loan Needs One)
So you’ve set up your self-managed super fund, you’ve found a property, and you’re ready to make an offer. Before you sign the contract of sale, make sure you’ve set up your Bare Trust if you’re borrowing money via a Limited Recourse Borrowing Arrangement (LRBA) to purchase the property. Depending on which state you purchase […]
Is Superannuation the Winner in the Federal Budget 2026?
The 2026 Federal Budget was announced on the 12 May, with two major changes proposed, changing the rules of negative gearing and capital gains tax for property investors. The rule book on what helped a lot of Australians generate wealth will be changed if legislated. Federal Budget 2026: Negative Gearing Changes Explained From July 2027, you […]
Boost Your Super Balance to Fund Your Next Purchase
What you need to do now, to buy a property with confidence in your super fund If you’ve been thinking of buying a commercial property in your super fund, but are unsure if you have enough money saved, you need to start planning now. By not acting now, you may not have enough funds to […]
How to Calculate Your SMSF Borrowing Capacity
If you’re considering buying property through your self-managed super fund, one of the first questions you’ll ask is: how much can my SMSF borrow? The answer depends on several moving parts and that’s exactly why we built our Free SMSF Borrowing Capacity Calculator. What Is SMSF Borrowing Capacity? SMSF borrowing capacity refers to the maximum loan amount your super fund may be able to […]
Can Your SMSF Loan Have Redraw or an Offset account? Here’s the Real Answer
When setting up a Limited Recourse Borrowing Arrangement (LRBA) to purchase property through your Self-Managed Super Fund, one of the most common questions we hear is: “Can I have an offset account or redraw facility like my personal home loan?” The answer is complex. While some lenders offer these features, using them incorrectly can lead […]
SMSF Lending: Why Lenders Ask for Personal Guarantees
If you are entering into a Limited Recourse Borrowing Arrangement (LRBA), you might be surprised when the lender asks for a personal guarantee. After all, isn’t the whole point of an LRBA to “limit” the lender’s recourse to just the property itself? In this article, we explain the mechanics of personal guarantees in SMSF lending […]
Can You Refinance Your SMSF Loan?
In short: Yes! Many SMSF trustees are under the impression that once they have an SMSF loan (Limited Recourse Borrowing Arrangement), they are “locked in” for the life of the loan. This is a myth. With major banks exiting the SMSF lending market and “grandfathering” existing loans, interest rates on older products have often drifted […]
SMSF Buying a Commercial Property? Don’t Overlook How You’ll Fund the GST
Buying your own commercial business premises through an SMSF is a strategy many business owners dream of. It can provide secure tenure for your company and allow you to pay rent to yourself — your super fund — rather than a landlord. However, commercial property transactions have a unique hurdle that residential deals don’t: Goods […]
What is SMSF Property Lending and How Does it Work?
Self-Managed Super Funds (SMSFs) are a powerful vehicle for building long-term wealth, and one of their most attractive features is the ability to invest in property. But unlike buying a home personally, buying property through your super involves specific legal structures and strict ATO rules. In this guide, we break down exactly how SMSF property […]
Capital Gains Tax: Inside vs Outside Super – Questions to Ask Before Buying Property in Your SMSF
Introduction One of the most common motivations for purchasing property through an SMSF is the potential tax advantages, particularly when it comes to capital gains. But tax rules are complex, and the right strategy depends on your individual circumstances. This article is designed to highlight the key questions you should ask your financial planner and […]
Why Use SMSF Mecca for SMSF Lending?
If you’ve been exploring SMSF property lending, you probably already know how challenging the market has become. Over the past few years, the landscape has shifted dramatically, leaving many trustees frustrated and unsure of where to turn. At SMSF Mecca Finance, we specialise in one thing: helping you navigate the complexities of borrowing within your […]