SMSF-active lender panel
We compare the banks and specialist funders that currently write SMSF loans — a smaller market than standard lending.
Service
SMSF Loans
Specialist lending for self managed super funds buying commercial property or business premises through a limited recourse borrowing arrangement.
Talk to a broker
SMSF lending has its own rules. Loans are written through a limited recourse borrowing arrangement, only property that qualifies as business real property can now be financed this way, and the lenders active in the space each have firm requirements around fund structure, liquidity and the property itself.
We compare the lenders that are active in SMSF lending and manage the application alongside your accountant and financial adviser, so the loan lines up with how your fund is set up.
Why choose 3LANE Finance
A specialist broker that understands SMSF lending policy and the lenders still active in the space.
Commercial and business premises
Support for SMSF purchases of commercial property and business premises, including refinances of existing arrangements.
Works with your advisers
We coordinate with your accountant and financial adviser so the lending matches your fund's structure and strategy.
How we help
We prepare SMSF applications around the evidence lenders need — fund structure, liquidity, contributions and rental income.
- Purchases of business real property through a limited recourse borrowing arrangement
- Refinancing an existing SMSF loan
- Commercial property and business premises in super
- Lender policy and serviceability review
- Coordination with your accountant and adviser
A clear path from enquiry to settlement
A calmer lending experience that removes surprises before your application reaches a lender.
01
Understand the fund
We map your fund structure, balance, contributions and the property you're targeting.
02
Compare SMSF lenders
We compare the lenders active in SMSF lending on policy, structure and pricing, then recommend a pathway.
03
Manage the application
We package the application and manage lender questions, keeping your accountant and adviser in the loop.
04
Settlement and beyond
We coordinate settlement with your fund's trustee arrangements and keep reviewing the loan over time.
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
FAQs
Quick answers for clients comparing finance options.
Since the 2026 rule changes, an SMSF can generally only borrow to buy property that qualifies as business real property — broadly, premises used exclusively in a business. Residential property can no longer be financed with a new SMSF loan. Whether a purchase suits your fund is a decision for you and your financial adviser; our role is the lending side.
Fewer than in standard lending — several major banks have stepped back from the space. We compare the banks and specialist funders that remain active and match their policy to your fund.
Yes. If your arrangement was set up years ago, pricing and policy may have moved since. We review the existing loan, confirm how lenders treat arrangements written before the 2026 rule changes, and compare current refinance options.
Talk to 3LANE
Talk to an SMSF lending specialist.
Share your fund's scenario with the 3LANE team and we will help you understand the SMSF lending options that may suit your position.