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Limited Recourse Borrowing Arrangements (LRBAs) allow an SMSF to borrow to purchase property – but they are highly regulated, complex, and not suitable for everyone.
At Khaw Wealth Consulting, we provide strategic advice on SMSF property lending to help determine whether an LRBA genuinely supports your long-term retirement and wealth objectives – or whether alternative strategies are more appropriate.
SMSF property loans operate under strict legislative rules and involve additional layers of risk, cost, and responsibility.
Before considering an LRBA, it’s essential to understand:
Our role is to help you assess these factors objectively – before any borrowing decision is made.
A Limited Recourse Borrowing Arrangement allows an SMSF to borrow funds to purchase a single acquirable asset – most commonly property – where the lender’s recourse is limited to that asset only.
In simple terms:
These arrangements must be structured correctly from the outset to avoid regulatory and financial issues.
An LRBA may be suitable in specific circumstances, such as:
Even in these cases, borrowing is only considered after alternative strategies have been assessed.
SMSF property borrowing may be inappropriate where:
Our advice is deliberately conservative – focused on sustainability rather than leverage.
We assist clients by:
This ensures the strategy is not only compliant, but practical and well-considered.
LRBAs must be evaluated within your full financial picture.
We consider how SMSF property borrowing interacts with:
This holistic approach helps ensure SMSF borrowing supports – rather than restricts – long-term outcomes.
We begin by understanding your retirement goals, SMSF structure, and financial position.
We assess whether an LRBA is appropriate, including risks, cashflow impact, and compliance considerations.
Where suitable, we help coordinate the correct structure alongside your accountant, solicitor, and auditor.
We assist with SMSF property loan options through lenders experienced in LRBA arrangements.
As circumstances and legislation change, we review the strategy to ensure it remains appropriate.
Experience advising on SMSF strategies and property lending
Conservative, strategy-first approach to borrowing
Integrated advice across superannuation, lending, and wealth
Strong understanding of compliance and risk considerations
Clear guidance aligned to long-term retirement outcomes
We don’t promote SMSF borrowing—
we help determine when it genuinely makes sense.
Before taking the next step, ensure the strategy is right for your retirement and financial future.
Speak with Alan to assess whether a Limited Recourse Borrowing strategy is appropriate for you.
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