Active SMSF lender panel
We work with the banks and non-bank lenders that still write SMSF loans, and we know their policies.
Service
Self Managed Super Fund lending
Specialist lending solutions designed to help your self managed super fund buy residential or commercial property.
Talk to a broker
Borrowing inside a self managed super fund is one of the most policy-sensitive corners of Australian lending. Fewer lenders operate in the space, and each applies its own rules around fund structure, minimum balances, liquidity and the property being purchased.
3LANE Finance helps trustees put limited recourse borrowing arrangements (LRBAs) in place for residential and commercial property — including business owners buying their own premises through super — and works alongside your accountant and financial adviser so the structure supports your fund's strategy.
Why use 3LANE for SMSF lending
A specialist broker who knows which lenders are genuinely active in SMSF lending — and what their credit teams expect.
Structure-first approach
LRBAs, bare trusts and liquidity requirements are mapped before the application goes anywhere.
Residential and commercial
From investment apartments to business premises held in super, we match the asset to the right lender.
Adviser-friendly process
We coordinate with your accountant and financial adviser so the lending fits the fund's broader strategy.
What we arrange
SMSF lending has its own vocabulary and its own paperwork. These are the scenarios we handle most often.
- SMSF residential property loans
- SMSF commercial property loans
- Limited recourse borrowing arrangements (LRBAs)
- Business premises purchased through super
- SMSF loan refinancing
- Liquidity and servicing reviews
A clear path from enquiry to settlement
SMSF applications involve more moving parts than standard loans — we keep them moving.
01
Review the fund
We look at the fund's balance, liquidity, contribution history and trust deed alongside your goals.
02
Match lender and structure
We shortlist lenders active in SMSF lending whose policy fits your fund and the property.
03
Coordinate to settlement
We manage the application and work with your accountant, adviser and the lender through to settlement.
Run the numbers
Estimate repayments, borrowing power and stamp duty. Indicative only — your broker confirms the real figures.
Monthly repayment$4,497
Fortnightly$2,075
Weekly$1,038
Total interest$868,786
Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.
Get a tailored assessmentAreas 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.
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FAQs
Quick answers for clients comparing finance options.
Generally yes, through a limited recourse borrowing arrangement (LRBA), provided your trust deed allows it and the fund can demonstrate adequate liquidity and servicing. We recommend confirming the strategy with your accountant or financial adviser first.
Yes — commercial property is one of the most common SMSF lending scenarios, and business owners can generally lease the premises back from the fund at market rates. We structure the loan with lenders who are comfortable with this arrangement.
Residential property generally can't be acquired from, or lived in by, a fund member or related party — it must be held purely as an investment of the fund. Commercial property is treated differently, which is why business premises are such a common SMSF purchase.
Most major banks have stepped back from SMSF lending, so the market is now serviced largely by specialist and non-bank lenders. We maintain relationships with the funders who remain genuinely active in this space.
Often, yes. Several lenders accept SMSF refinances, and moving an older loan can reduce the rate or improve the terms. We review the existing arrangement, the fund's position and current lender appetite before recommending a move.
Talk to 3LANE
Need help with SMSF lending?
Tell us about your fund and the property you have in mind, and we'll outline the lenders and structures that may fit. We're happy to work alongside your accountant or adviser.