Buying residential property through your SMSF?
The 10 August deadline is real.
From 10 August 2026, new SMSF borrowing for residential property is expected to stop under the LRBA ban. If you are already looking, you need to confirm your SMSF structure, lender options and contract timing before you sign anything.
Get your deadline-ready assessment ↓What the deadline means — in plain English
New residential SMSF loans stop
After 10 August 2026, SMSFs will no longer be able to borrow to purchase new residential investment property.
Existing loans are not affected
If you already have an SMSF residential loan in place, you are not affected. This applies to new borrowing only.
Commercial SMSF lending continues
Business real property (commercial) SMSF loans are still permitted after the deadline. This is not affected by the ban.
Are you in time?
Every situation is different. Here is a quick read on where you likely stand.
You can proceed now
- ● SMSF already established
- ● Corporate trustee in place
- ● Deposit and funds available
- ● Property identified or close
- ● Accountant or adviser engaged
Move immediately. Call us today and we start the lender assessment now.
Possible but tight
- ● SMSF set up but structure needs review
- ● Some pieces missing
- ● Property not yet identified
- ● Adviser not yet engaged
Book a same-day call. We will give you a clear checklist of what needs to happen and in what order.
Unlikely before deadline
- ● No SMSF in place yet
- ● No adviser, no property, no funds ready
- ● Still in early research phase
We will not waste your time. We redirect you to commercial SMSF, refinancing, or a post-ban strategy that still works for you.
What we check for you
Before we recommend any path forward, we assess five things. This takes one conversation — not weeks.
- 1 Is your SMSF structure lender-ready?
- 2 Do you have a corporate trustee in place?
- 3 Can we get pre-approval before 10 August?
- 4 Is your contract timing achievable?
- 5 What are your lender options right now?
SMSF lending is our primary specialisation.
Evolution Lending Partners operates under LMG (Australian Credit Licence: 390222). We have been working exclusively on SMSF property loans since 2016 — residential, commercial, and refinancing.
Most brokers do not touch SMSF loans. We do nothing else.
Book your urgent SMSF review
We will call you back the same business day.