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SMSF commercial lending

Buy commercial property through your SMSF. Up to 80% LVR.

Use your super to buy an office, warehouse or retail property, including the premises your business runs from. We find SMSF lenders who go up to 80% LVR and run the loan from application to settlement.

Get my portfolio reviewThe rules that matter
How an SMSF commercial loan is set upGeneral information
Your SMSFThe trustee borrows and pays the loan from the fund
Holding trustHolds the property until the loan is repaid
Commercial propertyOffice, warehouse, retail or your own premises
Your business (optional)Leases it at market rent, paid to your fund
The lender80%Up to 80% LVR, limited recourseIf things go wrong, the lender can only claim this property, not the rest of your fund.

We arrange the loan. Whether borrowing in your SMSF is right for you is a decision for you, with a licensed financial adviser and your accountant. We work alongside them.

Why commercial property in your SMSF

Your fund buys the building. Your business pays rent to your super.

Own your business premises

Your fund buys the building and your business pays market rent to your fund, not a landlord.

Up to 80% LVR

Selected lenders on our panel lend up to 80% of the purchase price, so your fund keeps more cash on hand. Subject to lender criteria.

Longer leases, simpler management

Commercial tenants often sign longer leases and cover outgoings. Your adviser can tell you how it fits your fund.

The rules that matter

SMSF property comes with strict rules.

This is general information, not advice. Your adviser and accountant will confirm how the rules apply to your fund.

  • Business real property can be bought from a related party, including you or your business, at market value
  • It can be leased to your own business at market rent, on commercial terms
  • The property sits in a holding trust until the loan is repaid
  • One property per loan
  • Borrowed money can fund repairs, not improvements that change the property
  • Rent and costs run through the fund; your accountant handles GST and tax
What we'll need

We do the chasing. You and your accountant send it once.

  • SMSF trust deed and trustee details
  • Latest fund financials and tax return
  • Member statements and current fund balance
  • Holding trust deed (we can point you to providers)
  • Contract of sale for the property
  • Current or proposed lease and rent
  • ID for each trustee
How it works

From first call to settlement, fast.

  1. Step 1

    Review call

    A short call to take your details: what you own, what you owe and what you want to buy next.

  2. Step 2

    Written review in 24 hours

    Every loan checked against 50+ lenders, your structure and your borrowing capacity, in plain English and dollars.

  3. Step 3

    Lodged within a week

    Once we have your documents, your application is with the lender within 5 business days.

  4. Step 4

    Quarterly rate checks

    After settlement we keep watching. If your lender slips behind the market, you hear from us first.

Straight answers

Can my SMSF really borrow up to 80%?

Selected lenders on our panel lend up to 80% LVR for SMSF commercial property, subject to their criteria. Many lenders cap lower, which is why we compare.

Can my fund buy my business premises from me?

Generally yes. Business real property can be bought from a related party at market value and leased back to your business at market rent. Your adviser and accountant confirm it fits your fund.

How much do I need in super?

There's no single number. Lenders look at the balance left after the deposit and costs, and want a buffer in the fund. We'll tell you what each lender needs for your situation.

Can you help me find the property?

Yes. Our sister business Handle Properties helps investors find and buy commercial property.

Are you financial advisers?

No. We're mortgage brokers. We arrange the loan and work alongside your accountant and financial adviser on the strategy.

Get your portfolio lending review.

Tell us where your portfolio is today. A lending specialist will call to take the details, then you'll have your written review within 24 hours.

No credit check. No obligation.

No credit checkWritten review in 24 hoursNo obligation

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