Rate review
Compare your existing SMSF loan against current options from lenders who still offer limited-recourse borrowing arrangements.
Lending · Self-managed super
SMSF lending Canberra fund trustees seek through Numbers & Sense is focused on one thing — refinancing existing limited-recourse borrowing arrangements to a better rate or structure, coordinated with the fund's accounting and compliance position.
We do not arrange new SMSF property purchases. Our SMSF lending Canberra service is limited to refinancing existing limited-recourse borrowing arrangements (LRBAs) where the fund already holds the property and the existing loan is in place.
This deliberate scope means we focus entirely on improving the terms of borrowing you already have — better rates, lower fees, or a structure that better fits the fund's current position — without the complexity and risk of a new acquisition.
Because Numbers & Sense also provides accounting and tax services, the refinance is coordinated with the fund's compliance obligations, annual audit requirements and trustee reporting from the start.
What we do
Compare your existing SMSF loan against current options from lenders who still offer limited-recourse borrowing arrangements.
The SMSF lending market has contracted. We know which lenders remain active and what their current requirements are for fund refinancing.
The refinance is structured to maintain the existing bare trust and comply with the fund's trust deed, investment strategy and SIS Act requirements.
We manage the application, valuation, discharge from the existing lender and settlement — coordinating with your SMSF auditor where required.
New SMSF property purchases involve investment strategy amendments, bare trust establishment, property due diligence, and significant compliance risk if any element is not handled correctly. That is specialist advice territory, and we believe it is best served by advisers whose primary focus is SMSF strategy.
SMSF lending Canberra trustees arrange through our practice is the refinancing step — taking an existing, compliant arrangement and improving the lending terms. The accounting relationship means we already understand the fund's structure, and the refinance is handled in context rather than in isolation.
For personal home loans, see home loans. For investment property finance outside super, see investment loans. For a general review of existing lending, see refinancing.
Frequently asked
No. We only refinance existing SMSF loans. New SMSF property acquisitions involve investment strategy, legal structuring and compliance work that is best handled by a specialist SMSF adviser.
The market has contracted significantly. Fewer lenders offer limited-recourse borrowing, and those that do have specific requirements. We maintain current knowledge of the active lenders and their criteria.
A properly structured refinance maintains compliance. Because we coordinate with the fund's accounting and audit requirements, the transition is managed without creating compliance gaps.
Not necessarily before, but the refinance will be reflected in the next annual audit. We ensure the documentation supports a clean audit outcome.
A clear next step
A focused conversation about your fund's current borrowing and whether a better arrangement is available.
Ready when you are
Tell us what you need and we'll point you to the right person. We reply within one business day.