Property & Borrowing
Borrowing to buy property in super is possible, but the rules are strict. These guides explain limited recourse borrowing, the bare trust that holds the asset, related-party loans, and the end-to-end loan process.
Borrowing in an SMSF
SMSFs generally cannot borrow, with one important exception. Here is the rule, the exception, and what borrowing realistically involves.
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LRBA explained
A limited recourse borrowing arrangement is how an SMSF borrows to buy an asset. Here is how the structure works, piece by piece.
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Bare trust
The bare trust is the quiet workhorse of an SMSF borrowing arrangement. Here is what it does and why getting it right before you buy is critical.
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Related-party loans
An SMSF can borrow from a related party, but the loan must be genuinely commercial. Here is why arm's length terms matter and what happens if they slip.
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SMSF property loan process
Buying property in an SMSF with borrowing follows a strict sequence. Here are the steps in order, so the structure is right before you sign.
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