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From August 2026, self-managed super funds will no longer be able to borrow to buy residential property under the standard rules.
LRBA loans on residential property, established homes, single-part contracts. But commercial property, still allowed.
Our Unit Trust pathway. The compliance structure that keeps your build on track.
Access to construction finance for residential builds, with every SMSF benefit preserved.
Here is how it works. Your super fund stays the beneficial owner, keeping every tax benefit.
It invests in an approved Unit Trust. The Unit Trust pairs with a Bare Trust,
which holds legal title. That is what lets a construction lender take security.
The result? Residential property, built within your super fund, fully compliant,
independently reviewed by King's Counsel, the ATO, ASIC, and the SMSF Compliance Board.
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