SMSF Property Lending in Perth
Limited Recourse Borrowing Arrangements (LRBAs) for Perth SMSF trustees. Residential and commercial property finance structured to comply with Australian super law.
Buying property through your self-managed super fund is one of the most powerful long-term wealth tools available, and one of the easiest to get wrong. SMSF lending is heavily regulated. The structure must comply with Australian super law from day one. Get it wrong and the tax penalties can wipe out years of contributions. Get it right and you can diversify into property, acquire your own business premises, or build a retirement asset inside super.
Launch Finance specialises in SMSF lending in Perth. We work alongside your accountant, financial adviser and SMSF specialist to structure the loan correctly, and we know which lenders genuinely operate in this complex space.
Why borrow through your SMSF
- Diversify super into direct residential or commercial property
- Buy your business premises and lease them back at arm's length market rent
- Leverage super contributions into long-term capital growth
- Limited recourse. Protects your other SMSF assets
Can I live in a property my SMSF buys?
No. Residential property held by your SMSF cannot be occupied or used by a fund member or any related party at any time during the holding period. Doing so is a serious compliance breach with significant tax consequences. The exception is commercial property used as a business premises, which can be leased back to your operating business at arm's length market rent.
How long does SMSF settlement take?
SMSF loans typically take 6 to 10 weeks from application to settlement, longer than standard residential loans. The additional time reflects the structural requirements: bare trust setup, lender review of the SMSF trust deed, liquidity testing and valuation. Plan accordingly when bidding on properties, and have your bare trust structure set up by your SMSF specialist accountant before signing a contract.
Typical SMSF loan features
- LVR capped at 70% (residential) or 65 to 70% (commercial)
- Liquidity buffer required after settlement
- Bare trust setup must comply with super law
Important. Launch Finance arranges the lending only. Always consult a licensed financial adviser, SMSF specialist accountant and registered tax agent before borrowing in an SMSF.
Call 08 9367 4222 once you've received specialist advice.
How can we help?
Stop dreaming about your next home and start living it! Send us your details and one of our friendly brokers will be in touch.