Broad lender panel
Not every lender offers SMSF loans, and policies can vary considerably. We compare suitable options across banks, non-bank lenders and specialist SMSF funders based on your fund, property and borrowing requirements.
Service
SMSF Loans
Specialist SMSF lending for eligible commercial property and business premises purchases or refinancing an existing limited-recourse borrowing arrangement.
Talk to a broker
Buying eligible commercial property or business premises through an SMSF requires a specialised lending structure. Lenders assess the fund’s liquidity, contributions, rental income, servicing position, property type, lease arrangements and proposed limited-recourse borrowing arrangement.
3LANE Finance helps trustees compare suitable SMSF lenders, structure and present the finance application, and manage the process for commercial property purchases or refinancing an existing LRBA. We also coordinate with your accountant, financial adviser and solicitor to help ensure the lending process aligns with the fund’s broader legal, tax and compliance requirements.
Why choose 3LANE Finance
SMSF lending requires specialist knowledge of lender policy, property eligibility, fund liquidity and limited-recourse borrowing arrangements. We assess the complete lending scenario before recommending a suitable finance pathway.
Commercial property lending expertise
We help SMSFs finance eligible commercial property and business premises, including purchases and refinancing existing LRBAs. We understand how lenders assess the property, lease, fund cash flow, liquidity and proposed loan structure.
Coordination with your professional advisers
We work alongside your accountant, financial adviser and solicitor, who advise on the fund’s tax, legal, investment and compliance requirements. Our role is to structure the finance and coordinate the application with the selected lender.
Support from assessment to settlement
From reviewing the lending scenario and comparing lenders to managing approval conditions and settlement, we coordinate the finance process and keep the trustees and their advisers informed.
How we help
We review your fund, property and proposed transaction from a lender’s perspective before comparing suitable SMSF finance options. Our role is to identify an appropriate lending pathway, structure the application and manage the finance process through to settlement.
- Finance for eligible commercial property and business premises purchases
- Refinancing existing limited-recourse borrowing arrangements
- Review of fund liquidity, contributions, rental income and debt-servicing capacity
- Comparison of loan amounts, interest rates, terms, repayments and lender requirements
- Coordination of lender documentation, approval conditions and settlement requirements
- Collaboration with your accountant, financial adviser and solicitor throughout the transaction
A clear path from enquiry to settlement
We identify potential lending issues early, compare suitable SMSF lenders and coordinate the finance process with your trustees and professional advisers.
01
Understand the fund and transaction
We review the SMSF’s structure, liquidity, contributions, rental income, existing commitments and investment objectives, together with the proposed property, lease arrangements, borrowing requirement and timeframe.
02
Compare lenders and structure the finance
We assess borrowing capacity, lender policy, loan-to-value ratios, servicing requirements and available loan structures. We then present suitable options and coordinate with your accountant, financial adviser and solicitor regarding the proposed LRBA and associated legal, tax and compliance requirements.
03
Manage the application and settlement
We prepare and present the finance application, coordinate the valuation, respond to lender requirements and manage approval conditions, loan documentation and settlement. We keep the trustees and their advisers informed throughout the process.
Areas we service
Based in Marrickville, we support borrowers across Sydney and NSW — in person or remotely.
- Marrickville
- Inner West
- Sydney CBD
- Eastern Suburbs
- North Shore
- Northern Beaches
- Parramatta
- Greater Western Sydney
- Sutherland Shire
- Across NSW
Related pages.
Explore related services and industries we support.
FAQs
Quick answers for clients comparing finance options.
For new borrowing arrangements entered into from 10 August 2026, an SMSF can generally only use an LRBA to acquire eligible business real property. This may include commercial premises used wholly and exclusively in one or more businesses. Property eligibility should be confirmed by your solicitor and other professional advisers before signing a contract.
An SMSF may be able to lease eligible business real property to a related business, provided the arrangement complies with superannuation law and is conducted on arm’s-length commercial terms. Your legal, tax and financial advisers should confirm the proposed ownership and lease structure.
Borrowing capacity depends on the lender, property, fund liquidity, contributions, rental income, existing commitments and proposed loan structure. Lenders may also require the SMSF to retain a minimum level of liquid assets after settlement. We assess these factors before comparing suitable lenders.
An LRBA is a specialised structure that allows an SMSF to borrow for an eligible asset. The asset is generally held in a separate holding trust, and the lender’s recourse is limited primarily to that asset if the loan defaults. A solicitor should establish and advise on the legal structure.
An SMSF may be able to refinance an existing LRBA, subject to superannuation law and lender requirements. Refinancing can involve reviewing the interest rate, loan term, repayments, liquidity requirements and available lender options. Existing residential-property LRBAs entered into before 10 August 2026 may generally be refinanced under the transitional provisions.
Talk to 3LANE
Let’s structure your SMSF property finance
Buying eligible business real property or refinancing an existing LRBA? Speak with 3LANE Finance to compare suitable lenders and coordinate the finance process with your professional advisers.