ResiLend

February 17, 2026

Business & Commercial, Investments

Purchasing Commercial Property Within an SMSF: What Business Owners Need to Know

Choosing between building a new home and buying an existing property depends on your priorities, timeline and budget. Building offers custom design, modern features and lower early maintenance, but involves longer timeframes and potential delays. Buying an existing home provides faster move in, established neighbourhoods and clearer market value, though renovation or repair costs may apply. Understanding the process, costs and risks of each option helps you decide which path suits your lifestyle and financial goals.

Business & Commercial, Investments

Limited Recourse Borrowing in SMSFs: What You Need to Know

Thinking about setting up a Self-Managed Super Fund? An SMSF gives you direct control over your retirement investments, including property, but comes with strict responsibilities and compliance requirements. This guide outlines the key steps involved and explains how Residential Lending Group can connect you with trusted SMSF specialists to support your setup and financing journey.

Home Loans, Investments

Understanding the Difference Between SMSF Loans and Regular Home Loans

SMSF loans and regular home loans both finance property, but they operate under different rules. An SMSF loan is taken out by your super fund for investment property and must meet strict superannuation regulations. A regular home loan is taken out by individuals for owner occupied or investment use. Residential Lending Group connects you with trusted SMSF specialists to help you choose the right structure for your goals.

Home Loans

The 5 C’s of Credit

This graphic explains the five key factors lenders assess when reviewing a loan application. Character reflects your credit history and reliability. Capacity measures your income and ability to repay the loan. Capital refers to your savings and financial contribution. Collateral is the asset used to secure the loan. Conditions consider the broader economic environment and the purpose of the loan. Together, these five elements determine overall credit strength.

Home Loans

Home Loan Application Process

This diagram outlines the full home loan journey from first meeting to settlement. Step 1 is meeting with your mortgage broker. Step 2 involves preparing your application and documents. Step 3 is conditional approval. Step 4 is formal approval. Step 5 covers loan contracts. Step 6 is settlement. Step 7 confirms completion of your home loan. The process highlights each stage borrowers move through before funds are released.

Investments

Limited Recourse Borrowing Arrangement (LRBA)

This diagram shows how a Limited Recourse Borrowing Arrangement works within an SMSF. SMSF members make contributions into the fund. The SMSF enters into an LRBA with a lender to purchase an asset. The property title is held in a bare trust while the loan is repaid. Rental income and contributions support repayments. The lender holds a mortgage over the asset, and recourse is limited to that asset only.

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