SMSF — Accounting + Property Loans
SMSF Accounting & Property Loans — One Team, Full Compliance
At Eternity Group, your SMSF accountant and your SMSF mortgage broker are the same person — so deed, compliance, and lending decisions are aligned in one conversation.
The challenge
SMSF property purchases involve many moving parts.
A typical SMSF property purchase touches a number of separate professionals — SMSF accountant, SMSF auditor, mortgage broker, conveyancer, lender, financial planner, and the bare-trustee company secretary. When they don't speak to each other in real time, small alignment gaps can emerge: a deed clause missing, a bare trust not established before contract exchange, or a loan documented in the wrong entity name.
These are usually coordination issues rather than individual errors. The SMSF trustee still carries the regulatory responsibility — so the fewer professional hand-offs, the better.
Our approach
One accountant. One broker. Same person.
At Eternity Group, your SMSF accountant and your SMSF mortgage broker are Rohan Manokaran — a Chartered Accountant (CA ANZ 266544), registered Tax Agent (TPB 25523469), and Credit Representative 565110 under ACL 561324 held by Loans Only Pty Ltd. One professional, one set of records, one continuous conversation.
The deed, the bare trustee, the loan structure, the contracts, the contribution timing — all coordinated in real time. No status updates between professionals. No re-explaining your fund to a new face mid-transaction.
How it works
A coordinated SMSF property workflow.
Fund eligibility & deed review
We confirm your deed permits borrowing under the current SIS Act rules. If amendment is needed, we coordinate with the deed provider.
Bare trustee establishment
A clean-skin bare trustee company is registered before contract exchange. Documents prepared in our office.
Property loan structuring
LRBA loan compared across our broad panel of SMSF-lending lenders. Compliant loan documentation prepared.
Settlement & ongoing compliance
Settlement coordinated with conveyancer. Annual SMSF return, financials, audit, and ongoing strategy reviews handled in-house.
FAQ
SMSF questions, answered.
Yes. Every SMSF property purchase requires both an SMSF-experienced accountant and a mortgage broker (Credit Representative authorised under an Australian Credit Licence) who understands limited recourse borrowing arrangements (LRBAs). The accountant ensures compliance with SIS Act section 67A and trustee duties; the broker structures the LRBA correctly with a bare trustee. At Eternity Group, both roles sit under one roof, removing the coordination risk that causes most SMSF compliance failures.
General advice warning: The information provided on this website is general in nature and does not constitute personal financial advice. Before making any financial decisions, you should consider your own circumstances and seek professional advice.
Related
Where this fits in the bigger picture
SMSF work connects to fund establishment, the lending side of an SMSF property purchase, and the One Roof engagement model.
- SMSF
SMSF setup & establishment
What establishing a Self Managed Super Fund involves — trustee structure, deed, registration, rollover and the ongoing obligations that follow. General information only.
- Mortgage Broking
Finance & mortgage broking
The lending side, including how an SMSF property purchase is structured as a limited recourse borrowing arrangement.
- Guide
How One Roof works
How the SMSF accounting and lending conversations are coordinated through one point of contact.
- SMSF
SMSF annual return & accounting
The recurring annual engagement — financial statements, member statements, the SMSF annual return and audit coordination.
- SMSF
SMSF compliance & contribution rules
The year-round obligations — sole-purpose test, contribution caps, preservation, in-house assets and related-party rules. General information.
- SMSF
SMSF investment strategy review
Documenting and reviewing the strategy the SIS Regulations require — risk, return, diversification, liquidity and insurance.
- SMSF
SMSF audit coordination
How the mandatory independent audit by an ASIC-registered SMSF auditor is coordinated each year before lodgement.
- SMSF
SMSF pension phase & retirement
The accounting and compliance mechanics of moving a fund from accumulation to pension phase. General information only.
- Guide
Guide: SMSF property rules
What an SMSF can and cannot do with property — the rules and restrictions, in plain English. General information only.
- Guide
Guide: how an SMSF buys property
The process and mechanics of how an SMSF may acquire property, explained neutrally. General information only.
Talk to Rohan
One conversation. Your SMSF accountant and SMSF broker in the same call.
20 minutes. A scoping call before any engagement letter.