2026 Federal Budget - Property Investor Hub
When does the SMSF Property borrowing window close?
Your guide to the SMSF property borrowing changes - the key deadlines, which arrangements may be
affected, and what property investors need to understand before making their next move.
All your SMSF Property Questions.
Answered.
What is changing for SMSF limited recourse borrowing?
Self-managed super funds commonly use a limited recourse borrowing arrangement, or LRBA, to acquire property inside super. The 2026 reform changes the treatment of these arrangements from on or around 10 August 2026. Trustees partway through an LRBA acquisition need their structure and financing settled before that date rather than after it.
How does this relate to the 9 August bare trust deadline?
The SMSF LRBA change sits directly alongside the 9 August 2026 bare trust deadline. Both reward trustees who confirm structure and financing early. For an SMSF acquisition that also involves a bare trust, the earlier of the two triggers governs the timeline, which is why sequencing matters more than speed.
I have been meaning to get to it. How much time is there?
The date is fixed and close. An LRBA acquisition involves financing approval, structure, and settlement mechanics that do not compress well. Trustees who treat this as a firm deadline give themselves room to confirm the arrangement holds up. Those who leave it to the last week risk running structure and finance in parallel under time pressure.
What should an SMSF trustee do next?
Confirm whether a current or planned LRBA acquisition is inside the window, and whether the structure still works under the reform. Because
SMSF, lending, and structuring intersect here, this is difficult to resolve from a single professional’s seat. The Ramsey Portfolio Stress
Tester and a review work through it against the specific fund and financing position.
Investor Hub Contributors
The Ramsey Property Investor Hub brings together economic research, property market intelligence and practical
portfolio experience to help investors understand how changes to legislation, taxation and the broader property environment may affect
their investment decisions.
Dr Prabath Morawakage, PhD
Head of Property Economics and Intelligence, Ramsey Property Wealth
PhD-qualified property economist with experience in property economics, real estate finance, econometrics and academic research.
Prabath brings the evidence and economic lens to help investors understand how policy and market changes may affect property
investment outcomes.
Ewan Ramsey
Investor, Founder & CEO, Ramsey Property Wealth
A highly- qualified, experienced property investor and portfolio wealth strategist with 18+ years across property finance,
pirvtae lending, property development and investment strategy. Ewan brings the practical investor lens, translating market, tax
and lending changes into what they may mean for building and managing a compounding property portfolio.
Professional advice. Intelligent decisions.
Long-term wealth.
A complimentary 30-minute Discovery Session with a senior adviser. We assess your current position, clarify what the 2026 changes mean for your portfolio, and determine whether we are the right long-term partner to help build, protect and optimise your property wealth.
$914M+ in client property wealth under management.