Finance · SMSF
SMSF lending, with the structure checked first
Limited recourse borrowing arrangements where lender policy allows — and a straight answer when it does not.
as at 15 November 2026
General information only and not credit assistance. Estimates are not an offer, quote or approval. Lending is subject to lender approval, terms, fees and charges. Next Step Financing Pty Ltd (ABN 77 680 857 416, Australian Credit Licence 384704, Credit Representative 563367).
Part of the IR Property Group one-roof team
Separate businesses. One roof. One plan.
Who it suits
Funds with sufficient liquidity and a documented investment strategy that permits direct property, buying business real property or residential property where lending is available.
The lender assesses the fund, the trustees and the bare trust. Because the arrangement is specialist, the panel is smaller and loan-to-value limits are lower than for a standard home loan.
From 2026, under the sample settings used on this site, new residential limited recourse borrowing is capped, with existing loans grandfathered. Confirm the current position before committing.
Before applying
- Investment strategy permits the asset
- Bare trust established by your solicitor
- Liquidity buffer for benefits and expenses
- Trustee structure acceptable to the lender
How it works
- 01
Eligibility
Accountant confirms the fund can buy and borrow, and the asset type fits current rules.
- 02
Structure
Bare trust, trustee and loan documentation prepared in the correct order.
- 03
Approval
Fund financials, rental evidence and valuation assessed under specialist policy.
- 04
Settlement and administration
Settlement through the bare trust, then annual audit and reporting.
Documents needed
- Trust deed and any variations
- Financial statements and tax return
- Member statements and contribution history
- Bare trust deed
- Contract of sale and rental appraisal
- Investment strategy document
as at 15 November 2026
General information only and not credit assistance. Estimates are not an offer, quote or approval. Lending is subject to lender approval, terms, fees and charges. Next Step Financing Pty Ltd (ABN 77 680 857 416, Australian Credit Licence 384704, Credit Representative 563367). SMSF property involves significant compliance obligations — obtain licensed financial, tax and legal advice.
How a referral between businesses works
When the right next step sits with another business in the group, we ask you first. You decide whether the introduction happens.
- Client consent first — nothing about you is shared with another business without your agreement.
- Each business advises only within its own licence. IR Property does not give tax or credit advice, GBS advises on tax and accounting only, and Next Step Financing provides credit assistance only.
- Any referral fee, commission or benefit paid between businesses in the group is disclosed to you before you engage.
Common questions
Where to go next
Start with a conversation
One free consultation. Three services. No obligation.
Tell us what you're trying to do and we'll tell you plainly whether property, accounting, finance — or all three — is the right starting point.
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