COMMERCIAL SMSF LOANS
We can build a tailored lending strategy for your SMSF commercial property loans.
Whether your property investment plans involve purchasing property to lease out or having your business lease through your SMSF, you'll need the right lending framework to optimise tax incentives and power investment growth.
SMSF Loans for Commercial Property
We specialise in securing SMSF loans for commercial property. A major benefit is that your SMSF can lease commercial property to a related party (like your own business) at a market rate.
At SMSF Loan Experts, we provide the most effective lending solution to meet your financial goals. Holding our own credit licence gives us access to some of the most competitive investment property loans available.
Key Benefit: Your SMSF can purchase a commercial property and lease it back to a business run by a fund member (or related entity), provided the lease is on strict commercial (arm’s length) terms. For small business owners, this is, hands down, the best wealth-creation strategy on the table today.
Trusted & Awarded
Low Interest Rate & Flexible SMSF Loans
Access Ultra-competitive SMSF loan rates with unrivalled property flexibility.
Approval for more property types including high rises, hobby farms, and agricultural operations
Residential or commercial property loans
Higher purchasing capacity and lower rates, fees and charges than other brokers.
Expert attention to the complex paperwork required for self managed super funds
We’ll take away any confusion and ensure your investment isn’t limited by an insufficient lending strategy.
Borrowing for the purposes of commercial investment within your self-managed super fund requires professional legal and financial guidance. Failing to obtain specialist services may seriously affect the success of your future investments. Regardless of your situation, we advise on the best structure for you to buy commercial property.
All of our experts are SMSF accredited with MFAA (Mortgage and Finance Association of Australia) to guide you through every step of the process. To ensure a fully comprehensive service, we leverage the knowledge of our closely affiliated specialist lawyers and broader professional network. We offer a tailored solution designed after taking your individual needs into account.
Why Commercial Real Estate is the #1 Strategy for SMSF Borrowing Today
With the August 2026 ban now ending new Limited Recourse Borrowing Arrangements (LRBAs) for residential properties, commercial real estate (Business Real Property) stands tall as the premier choice for SMSF borrowing.
Commercial SMSF borrowing remains 100% permitted under super legislation, offering distinct advantages that make it superior for building long-term wealth:
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Higher Cash Flow Yields: Commercial properties typically deliver strong rental returns (often 5% to 8%+), providing excellent liquidity inside your fund to cover loan repayments.
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Longer, Stable Leases: Commercial tenants often lock in 3, 5, or 10-year leases with fixed annual rent increases, offering reliable income that lenders love.
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The Ultimate Business Owner Move: Stop paying rent to an external landlord! By purchasing your office or factory through your SMSF and leasing it back to your business, your rent payments directly fund your own retirement pool while remaining tax-deductible for your business.
Understanding SMSF Commercial Loans
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Can be used to purchase traditional commercial properties such as factories, warehouses, shops, and offices or more specialised securities such as breweries.
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Property can be leased directly back to your own trading business (provided standard commercial market terms apply).
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Commercial loans can’t be used for construction.
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The Loan-to-Value Ratio (LVR) typically ranges between 65% and 75% (and up to 80% with prime lenders depending on security).
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Servicing can be met with rental income only or rental income plus contributions.
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Consider any GST impact to your purchase when calculating available settlement funds.
How Our Super Fund Loan Process
Works
Our streamlined process ensures you get the best SMSF loan with minimal hassle.
Here’s how it works:
How Our Super Fund Loan Process
Works
Our streamlined process ensures you get the best SMSF loan with minimal hassle.
Here’s how it works:
Assess and Plan
We assess your situation and explore
lending options to plan your investment
strategy.
Apply and Negotiate
We manage the loan application and
negotiate with lenders to get you the best
terms and rates.
Fund and Implement
Once approved, we ensure quick
disbursement and assist with your
investment strategy, providing ongoing
support as needed.
Our Services
Whether you're looking to refinance an existing SMSF loan or need finance to buy a property investment in super, our experienced team of self-managed superannuation fund service providers can help you find the right SMSF loan.
Residential SMSF Property Loans
As a self managed super fund SMSF trustee, borrowing to purchase an investment property could be the financial kick-start you’ve been searching for. We can help you access the best finance solutions to purchase your investment. Our strategies help to maximise the growth of your SMSF residential investment property.
SMSF Loan Refinance
If your residential or commercial property loan is more than 2 years old, you could be missing out on more competitive products recently released to the market. We compare products and strategies with your finance needs, to match you with the most cost-effective loan for your circumstances.
SMSF Setup
Ensure your self managed super fund is set up correctly and compliantly. We help with the set up of your fund, all the way through to the settlement of your property - we can even organise to have your loan pre-approved before your super fund has been established.
Commercial SMSF Property Loans
Looking for a loan to purchase a commercial investment property inside of super? With access to a number of commercial loan products, we can build a tailored investment strategy for your self managed super fund commercial property investment.
SMSF Lending Strategy
Our goal is to find the right Self Managed Super Fund lending strategy for you. Investing in property within your SMSF can be complicated - Our experts help simplify the whole process.
Bad Credit SMSF Loans
Having a bad credit score doesn’t have to mean you miss out on borrowing to invest or get stuck with high interest rates. At SMSF Loan Experts, we offer lending solutions especially geared for clients with a less than perfect credit history.
Low Interest Rate & Flexible SMSF Loans
Access Ultra-competitive SMSF loan rates with unrivalled property flexibility.
Frequently Asked Questions About
SMSF Loans
Common Questions Answered
Yes, SMSFs can borrow money for property, managed funds, or shares using a
Limited
Recourse Borrowing Arrangement (LRBA)
. This process is heavily regulated, so
getting expert advice is recommended. Contact us for more details.
Navigating through property investments within an SMSF involves various
considerations such as property values, regulatory changes, interest rates, tenant
occupancy, and financial liquidity. Working closely with experienced experts can help
manage these factors effectively and ensure the stability and growth of your
investment portfolio.
ENQUIRE NOW
Frequently Asked Questions About SMSF Loans
Free SMSF Finance Session
Contact us today, or schedule a phone meeting with an SMSF Loan Expert to make sure you get the right SMSF Lending advice 1300 781 680