SMSF Property Loans › Do SMSF loans need personal guarantees?

Do SMSF loans need personal guarantees?

Usually yes. Most SMSF lenders require the fund members to provide personal guarantees as added security, even though the loan itself is limited recourse against the property.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

It can seem contradictory that a limited recourse loan still needs a personal guarantee, but lenders use the guarantee as an extra layer of comfort. It means members carry some personal exposure, which is an important thing to understand before committing the fund. This is one more reason to take advice before signing.

The key points

Most SMSF lenders require personal guarantees.
This is on top of the limited recourse structure.
Members carry some personal exposure.
Understand this fully before committing.

Free, no obligation

Explore an SMSF property purchase

Answer a few quick questions and we can talk through your options with the specialist SMSF lenders. No cost, no obligation. This is general information, not financial advice.

Check Your Options

A few quick questions, no obligation.

What is your goal?

Buy a home or investment property First home, next home, or adding to your portfolio Build a house or develop land New build, renovation, duplex, or subdivision project Lower my current repayments Better rate, release equity, or restructure existing debt Finance an established commercial property Business premises or commercial investment asset

Tell us a bit more about the plan

How do you earn your income?

Standard salary or wage Full-time, part-time, or casual employment (PAYG) Self-employed or business owner Sole trader, company director, or contractor

How is your credit score?

This helps us match you to the right lender from the start.

Healthy No issues that I am aware of A few small marks A couple of late payments, now caught up Not sure, or it is complicated We work with specialist lenders for these situations

Last step. Where should we send your options?

Your information is private and we will never share it.

First Name

Last Name

Email Address

Australian Mobile Number

By submitting, you agree to be contacted by one of our team of licensed mortgage brokers. No obligation. No spam.

You're all set.

We've received your details. One of our friendly brokers will reach out within 1 business day to help guide you through your options.

More smsf property loans questions

Back to the full SMSF Property Loans guide

Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.