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Picture Book · SMSF, family and later life

Borrowing in an SMSF

Story pages

A woman in her late forties looking at a small modern warehouse with a roller door
Meet Lena. Her SMSF wants to buy a small warehouse.
A single open gate in a long stone wall
SMSFs generally can't borrow, but there's one exception: a limited recourse borrowing arrangement.
A small house sitting safely inside a large glass dome in a garden
The property is held in a separate holding trust until the loan is paid off.
A single kite tied to a separate post
If things go wrong, the lender can only claim that one asset, not the rest of the fund.
Two neighbours shaking hands over a garden fence
Loans from a related party are possible, but must be on terms like a bank's.
A woman in her late forties at a cafe table talking with an adviser
Lena checks cash flow, costs and rules with an adviser before signing.

The end

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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 29 October 2026. Sources:

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