Get a Bank-Ready Bare Trust Deed In Your Inbox The Same Day So Your SMSF Property Settles On Time, Guaranteed
Since 2009 we've prepared thousands of SIS Act–compliant bare trust deeds, widely accepted by all lenders, and backed by a 100% bank legal acceptance guarantee or you don't pay.
- Same-day delivery
- All states & territories
- Stamping handled for you
- Corporate trustee arranged
Supplier to NTAA & CPA Australia members
Your Entire Settlement Is Riding On One "Small Piece of Paperwork"
Here's what nobody tells you when your SMSF buys property with borrowed money:
Under Section 67A of the SIS Act, your super fund can't simply borrow and buy. The asset must be held in a separate bare trust, and the deed that creates it must satisfy your lender's legal team before they'll release a single dollar.
And bank lawyers reject deeds all the time. Wrong clauses. Wrong execution order. A trustee that isn't a separate legal entity. Templates downloaded from a generic document shop that were never drafted for your lender.
When that happens, everything stalls. Settlement gets pushed. Penalty interest starts accruing daily. The vendor's solicitor starts circling. And you're stuck between a conveyancer, a bank and an accountant, each pointing at the other.
All because of one document that should have been right the first time.
That's why, since 2009, we've done one thing and one thing only: bare trust documentation for SMSF property purchases. No 47 other trust products. No juniors learning on your settlement. Just the one document your purchase lives or dies on, done properly and fast.
The Complete Bare Trust Documentation Package: 9 Documents, One Order
Most providers sell you a deed and wish you luck. We deliver the entire settlement-ready file: every document the banks, auditors and settlement agents demand, drafted to work together.
Schedule of Documents
SIS Act ss 67A & 67B compliant- Bare Trust Deed / Security Custodian DeedThe core legal document establishing the bare trust: trustee powers, beneficiary rights, and the framework for holding the asset on behalf of your SMSF.
- Conveyancer Letter of InstructionEnsures the property transfer and title reflect correct legal ownership by the bare trustee. This is where DIY setups usually fall over.
- Auditor Letter of ComplianceConfirms to your SMSF auditor that the arrangement meets all SIS Act requirements, so your fund passes its annual audit without questions.
- Minutes of Meeting: Bare Trust TrusteeFormal trustee minutes documenting establishment of the trust and execution of the deed. A clean audit trail from day one.
- Minutes of Meeting: Super Fund TrusteeRecords the SMSF's resolution to borrow, enter the LRBA and acquire beneficial interest in the asset.
- Statutory Declarations from BeneficiariesProtects the fund's compliance position and demonstrates informed consent from all relevant parties.
- Stamp Duty Summary for Your StateExactly what duty applies, at what rate, and the lodgement requirements with your revenue office. We handle the stamping itself, too.
- Timing & Execution SummaryThe precise order and statutory timeframes for signing everything against the contract of sale. The #1 cause of failed settlements, eliminated.
- Agency Agreement: SMSF & Bare TrusteeDefines duties and obligations between both trustees for clear accountability throughout the arrangement.
Deeds drafted with lender-specific approved clauses for
- NAB
- Commonwealth Bank
- Westpac
- ANZ
- Macquarie Bank
- La Trobe Financial
Our 100% Bank Legal Acceptance Guarantee
If your lender's legal team does not accept our bare trust deed, we will fix it at no cost to you until it is accepted, or you don't pay. That's been our standing promise since 2009, and it's why accountants and financial planners keep sending their clients to us.
You carry zero document risk. We do.
How It Works: 3 Steps, Zero Chasing
Send a quick enquiry
Fill in the 30-second form below. We confirm your structure, lender and state, and send you a simple order form.
We prepare everything
Your full 9-document package is drafted with your lender's approved clauses and emailed the same business day.
We back you to the finish
We handle stamping in your state and liaise directly with your lender, conveyancer or accountant if any query comes up. You settle on time.
The Specialists the Professionals Use
Bare Trust Deed is a Melbourne-based specialist practice serving all of Australia, and a supplier to NTAA and CPA Australia members, the accountants and advisers who could send this work anywhere.
Our specialist Vic Bulfone has been featured in Your Investment Property Magazine, sharing insight on purchasing property through super. While other document shops sell every trust product under the sun, we've spent 17 years on this one structure, which is exactly why the banks' lawyers wave our deeds through.
Our very own specialist Vic Bulfone gives insight into purchasing property through your Super Fund.
A Bad Question? No Such Thing.
What exactly is a bare trust deed, and why does my SMSF need one?
It's the legal document that establishes a separate trust to hold legal title to an asset your SMSF borrows to acquire. Under SIS Act Section 67A, when an SMSF borrows to purchase an asset, that asset must sit in a separate bare trust so the lender's recourse is limited to that single asset. Without a properly drafted deed, your SMSF cannot lawfully borrow to buy property.
How fast will I actually receive my documents?
All documents are emailed the same business day we receive your completed order form. If a new corporate bare trustee company is required, ASIC registration adds 1–2 business days.
Will my bank's lawyers accept your deed?
Our deeds are prepared with lender-specific approved clauses for all major Australian lenders including NAB, CBA, Westpac, ANZ, Macquarie Bank and La Trobe Financial, and we back every deed with a 100% bank legal acceptance guarantee. If your lender's legal team raises an issue, we fix it at no cost until it's accepted.
Can the same person be both the SMSF trustee and the bare trustee?
No. The bare trustee must be a separate legal entity. If the same individual or company acted as both, the borrowing arrangement would fail the s67A compliance test and your fund could face significant ATO penalties. Most lenders require a special-purpose company as bare trustee, and we can arrange that registration as part of your package.
What about stamp duty on the deed?
It varies by state: NSW charges $750, the NT charges $5, Victoria requires mandatory SRO lodgement for a $0 assessment, and QLD, WA, SA, TAS and the ACT are exempt. Either way, we handle all stamping and lodgement requirements for you in every Australian jurisdiction.
My accountant said they'd "sort the paperwork". Why use a specialist?
Many accountants send this exact work to us. We're a supplier to NTAA and CPA Australia members. Bare trusts are all we've done since 2009, so the lender-specific clause requirements, execution order and stamping quirks in each state are second nature. It's cheaper to get it right once than to fix a rejected deed while penalty interest runs.
What happens to the bare trust once the loan is repaid?
Legal title transfers from the bare trustee to your SMSF and the bare trust dissolves. That transfer is generally exempt from stamp duty in most states because it occurs pursuant to the terms of the bare trust deed. That's another reason the deed must be drafted correctly from the start.
I haven't signed a contract yet. Is it too early to talk?
It's the perfect time. The most expensive mistakes happen when contracts are signed in the wrong name before the bare trust exists. One quick call now can save weeks of unwinding later, and there's no charge for the conversation.
Don't Let One Document Delay Your Settlement
Tell us where you're at. We'll confirm exactly what your structure needs and have your complete, bank-ready package in your inbox the same day your order is received.