If you have found yourself wondering:
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How do I start and set up an SMSF to buy commercial property?
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Can I set up an SMSF to buy my business premises and pay rent to myself?
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What is the process for purchasing property with my super?
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What is my borrowing capacity within my super?
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What are the up-front costs of setting up an SMSF and the ongoing fees?
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Anything regarding SMSFs
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
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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 are here to help you!
While undertaking the SMSF setup process for you, we endeavour to have your loan pre-approved for planning purposes and seamless processing. Our close partnerships with SMSF specialists — such as legal consultants, financial advisors, and property experts — help guarantee that we can effectively and efficiently cover all of your SMSF needs with our professional network of experts.
Why Start an SMSF Today? (And What Property You Can Buy)
If you’re looking to start an SMSF to build real estate wealth, the rules of the game have shifted—and the biggest opportunities now lie in commercial real estate.
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Following regulatory changes that ended new Limited Recourse Borrowing Arrangements (LRBAs) for residential property in August 2026, you can no longer use a loan to buy residential houses or units in a new SMSF. However, borrowing for Commercial Property (Business Real Property) remains 100% permitted and is one of the most powerful wealth-creation tools available today.
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Here’s why setting up a new SMSF to buy commercial property makes complete sense:
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High Rental Yields: Commercial real estate (like offices, warehouses, industrial sheds, medical suites, and retail spaces) typically generates much higher rental returns (often 5% to 8%+) than residential property, building strong cash flow inside your super fund.
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The Business Owner’s Secret Weapon: If you own a small business, you can use a new SMSF to purchase your commercial business premises. Your business then pays market-rate rent directly into your super fund. You get a tax deduction for your business, secure your trading location, and build equity for your retirement all at once.
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Longer, Stable Leases: Commercial tenants often sign multi-year leases (3 to 10 years), giving your new fund steady, predictable income to cover loan repayments.
How We Help You Get Better Results From Your Super Fund
We are with you every step of the way; from starting a Self Managed Super Fund and finding you the best lending solution to providing you with access to the best lawyers, financial advisors, and SMSF property experts. We are right there with you.
Starting an SMSF with us does not have to be confusing and complicated, whether it’s a loan or the process of setting up your SMSF. Also, we make sure that your investment isn’t limited by an insufficient lending strategy.
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All of our experts are SMSF accredited by the MFAA (Mortgage and Finance Association of Australia). They are always ready to walk you through every step of setting up your SMSF.
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
Here's how to get answers to your questions when it comes to starting a Self Managed Super Fund:
“I’d been advised that I didn’t have enough savings for an SMSF investment, but SMSF Loan Experts made it happen. They took care of everything from set-up of my SMSF to organising a loan..”
David, Fleet Manager
Do you have more questions about starting an SMSF that are not covered here yet?
Call us today to talk through your property goals so you can take control of your super and build a stronger retirement. Dial 1300 781 680.
Free SMSF Setup Process or Finance Session
Give us a call today, or schedule a phone call with one of our SMSF Loan Experts to ensure you acquire the best advice in starting an SMSF and taking advantage of SMSF Lending.
Call 1300 781 680