SMSF property finance done to the letter of the law.
Residential and commercial LRBA lending structured with lenders that actually understand super fund borrowing.
Australian Credit Licence 384704. ABN 87 644 317 902. Any advice is general in nature and does not consider your objectives, financial situation or needs. Lender assessment applies. Outcomes vary by circumstance.
SMSF lending is a specialist market. The lender panel is narrower, the paperwork is heavier, and the compliance stakes are higher. eCapital Funding works alongside your accountant and financial adviser to structure the LRBA correctly, choose a lender with a genuine SMSF appetite, and settle on time.
Why borrowers choose eCapital Funding
Specialist lender panel
Major banks, non banks and specialist SMSF lenders that stayed in the market.
Bare trust coordination
We work with your accountant and solicitor on the bare trust deed and holding structure.
Business real property strategy
Own your business premises inside super where it is appropriate.
Who this suits
- Trustees acquiring residential investment inside super
- Business owners acquiring their premises through SMSF
- SMSFs refinancing legacy loans on uncompetitive rates
- Trustees rolling from accumulation to pension phase and reviewing debt
Our strategy process
- STEP 1
Structure check
Confirm the SMSF, bare trust and holding structure are compliant.
- STEP 2
Lender selection
Choose an SMSF lender with the right LVR, servicing and pricing.
- STEP 3
Application
Full credit submission with fund financials and rental evidence.
- STEP 4
Settlement
Coordination with your solicitor and accountant to compliant settlement.
Frequently asked questions
Can an SMSF borrow to buy property?
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Yes, under a Limited Recourse Borrowing Arrangement (LRBA). The property is held in a bare trust and the lender's recourse is limited to that property, protecting other fund assets.
What LVR is available for SMSF loans?
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Residential SMSF loans typically go to 70–80% LVR. Commercial SMSF loans typically 65–75% LVR. Interest rates are usually a margin above standard investment loans.
Can my SMSF buy my business premises?
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Yes. This is a common strategy, the SMSF buys the commercial property (business real property) and leases it to the related business at arms length rent. Strict rules apply; independent advice from your accountant and financial adviser is essential.
Do I need financial advice before an SMSF loan?
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Yes. eCapital Funding provides credit advice only. Whether an SMSF purchase is appropriate for your circumstances must be assessed by a licensed financial adviser and typically your accountant.
Can I refinance an existing SMSF loan?
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Yes. Many older SMSF loans are on legacy rates or lenders that have exited the market. We compare current SMSF lender pricing and structure a refinance where it improves the fund's position.
Explore related lending
SMSF finance is a team sport. Bring your accountant, we will bring the lender.
Ready to talk it through? Let's find your way.
A confidential 30-minute chat with a senior adviser. No pressure, no obligation, no boilerplate, just a proper conversation about what you're trying to do.