Common SMSF borrowing mistakes
Published on: 12/04/2026
Borrowing through an SMSF can look straightforward at first.
SMSF Borrowing
We share practical SMSF insights to help you understand the structure, stay compliant, and avoid costly mistakes.

Borrowing through an SMSF can look straightforward at first.

If you’re looking at buying property through an SMSF, one of the first things you’ll notice is this:

Borrowing through an SMSF involves more than just applying for a loan.

If you’re looking at buying property through an SMSF, you’ll notice the loan structure looks very different from a standard property loan.

If you’re looking at using an SMSF to invest in property, you’ll likely come across the term LRBA.

SMSFs are generally not allowed to borrow money.