Your fund’s accountant, valuer, and broker working together. No more coordinating between three separate firms to buy property through your SMSF.
What is SMSF lending? SMSF lending allows self-managed super fund trustees to borrow money to purchase property through a limited recourse borrowing arrangement (LRBA). National Accounts Lending is unique in that we handle the fund’s annual compliance, provide certified property valuations through SMSF Property Valuations, and arrange the lending, eliminating the need to coordinate between three separate firms.
What is SMSF lending? SMSF lending allows self-managed super fund trustees to borrow money to purchase property through a limited recourse borrowing arrangement (LRBA). National Accounts Lending is unique in that we handle the fund’s annual compliance, provide certified property valuations through SMSF Property Valuations, and arrange the lending, eliminating the need to coordinate between three separate firms.
Most trustees end up coordinating between their accountant for compliance, a separate valuer for the property report, and a broker who does not understand SMSF rules. That is three firms, three timelines, and three invoices for one transaction.
Bare trusts, single acquirable asset rules, related party restrictions, and arm’s length terms. One misstep and the ATO treats the arrangement as non-compliant.
Standard brokers package SMSF applications the same way they do personal loans. Lenders reject applications or add unnecessary conditions because the structure is presented incorrectly.
Your auditor needs a valuation, your lender needs a valuation, and neither talks to the other. Two reports, two fees, two timelines holding up the same transaction.
We are the accountant who prepares your SMSF return, the valuer who certifies the property, and the broker who structures the loan. No handoffs, no gaps, no conflicting advice.
Annual returns, contribution caps, pension commencements, investment strategy reviews. We already know your fund inside out, so lending decisions are informed by your full position.
Through SMSF Property Valuations, we deliver certified valuations accepted by auditors. One report satisfies both the lender and the audit requirement.
Bare trust establishment, single acquirable asset compliance, arm’s length interest rate verification, and loan documentation that satisfies both the lender and the ATO.
Loan repayments need funding. We model contribution strategies, including concessional and non-concessional caps, to ensure your fund can service the debt without breaching limits.
Whether residential investment or commercial premises for your business, we structure the LRBA to work within your fund’s strategy and compliance obligations.
Houses, units, and townhouses held as investment assets within your SMSF. We ensure the property meets the sole purpose test and structure the LRBA for compliance.
Purchase your business premises through your SMSF and lease it back at market rent. One of the most tax-effective strategies available to business owners with adequate super balances.
Already have an SMSF loan? We benchmark your rate against the panel and refinance where better terms are available, without breaching the original LRBA balance rules.
Your fund’s accountant, valuer, and broker are the same team. That changes everything about how fast this moves.
We review your fund’s balance, contribution capacity, investment strategy, and borrowing appetite.
We confirm the LRBA structure, establish the bare trust, and ensure the purchase meets SIS Act requirements.
We complete the certified property valuation and submit to the best-matched lender from our panel simultaneously.
We manage settlement, update your fund’s records, and handle the annual compliance and valuation going forward.
Answers for SMSF trustees and their advisers.
An LRBA allows your SMSF to borrow money to purchase a single acquirable asset, typically property. The asset is held in a bare trust until the loan is repaid. If the SMSF defaults, the lender’s recourse is limited to the asset held in the bare trust, protecting your fund’s other assets.
Yes. Your SMSF can borrow to purchase residential property as an investment, provided it meets the sole purpose test and is not acquired from a related party. The property cannot be lived in by a fund member or a related party, and it must be held for genuine investment purposes.
Yes, and this is one of the most effective uses of SMSF lending. Your fund can purchase commercial property and lease it back to your business at market rent. This is one of the few situations where a related party transaction is permitted under superannuation law. We structure the lease, ensure arm’s length terms, and handle the ongoing compliance.
Most SMSF lenders require a minimum 20% to 30% deposit for residential property and 20% to 35% for commercial property. Your fund also needs sufficient cash reserves to cover stamp duty, legal fees, and ongoing loan repayments without relying on future contributions.
Through our affiliated business SMSF Property Valuations, we provide certified property valuations accepted by auditors. This means your valuation, lending, and fund compliance are all handled by one team, reducing delays and ensuring consistency across your annual audit.
SMSF loan interest rates are typically 0.5% to 1.5% higher than standard residential investment rates due to the additional complexity and risk for lenders. Rates vary across our panel and depend on the property type, LVR, and loan amount. We compare options across 70+ lenders to find the most competitive rate for your fund.
Yes. SMSF loan refinancing is permitted under the LRBA rules provided the refinanced loan does not exceed the original loan balance. We regularly review existing SMSF loans for clients and refinance where a better rate or terms are available.
National Accounts Lending is the finance broking division of National Accounts, a chartered accounting firm (CA ANZ) based at Level 2, 70 Hindmarsh Square, Adelaide SA 5000. We hold an Australian Credit Licence and are Xero Platinum Champion Partners.
The lending division is led by Michael Wilczynski CA, a chartered accountant and certified property valuer. Our team combines accounting, tax, and lending expertise to deliver structuring advice that traditional brokers cannot provide.
We service clients across Australia from our Adelaide office, with all consultations available online or by phone. Our lender panel includes 70+ lenders with no geographic restrictions.
