SMSF loans
SMSF loans for commercial property
A self-managed super fund can borrow to buy commercial property, including premises your own business leases. The rules are strict, so we work alongside your SMSF accountant or adviser from the start.
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Who this suits
- Business owners buying premises through their SMSF
- SMSF trustees investing in commercial property
- Funds with an existing borrowing arrangement to review
When it may not be the right fit
- Buying residential property with borrowed money: since 10 August 2026, SMSFs can't set up new borrowing arrangements to buy residential property (ATO). If your fund already has one, talk to your SMSF adviser before changing it.
How it works
- Advice firstYour SMSF accountant or adviser confirms the strategy suits your fund. We don't give super or tax advice.
- Check the numbersFund balance, contributions, the lease and the property.
- StructureA limited recourse borrowing arrangement usually needs a separate holding trust, set up before you sign the contract.
- Settle and reviewWe coordinate the lender, the trustee and your solicitor.
Things worth knowing
The order of steps matters
The holding trust and the fund's paperwork usually need to be in place before contracts are signed. Getting this wrong can be expensive.
Lenders want a buffer in the fund
Most expect the fund to hold cash after settlement, not just enough for the deposit.
Leasing to your own business has rules
The lease must be on commercial terms. Your adviser will check this.
Documents you'll usually need
- The SMSF trust deed and investment strategy
- Two years of fund financials and tax returns
- Recent fund bank statements
- The contract of sale and lease details
- Photo ID for all trustees
We'll confirm exactly what your lender needs, so you don't gather anything twice.
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Calculators for this
Questions
Can my SMSF buy a residential investment property with a loan?
Not anymore. From 10 August 2026, SMSFs can't establish new limited recourse borrowing arrangements to buy residential property (ATO). Commercial property is still possible.
Can my SMSF buy my business premises?
Often, yes, as long as the lease is on commercial terms and the purchase fits the fund's investment strategy.
How much does the fund need?
It depends on the lender and the property. Most lenders want a meaningful deposit plus cash left in the fund after settlement.
General information only. It doesn't consider your objectives, financial situation or needs. Lending criteria, fees and charges apply.
Ready when you are.
Book a 20-minute call. We'll listen first, explain your options in plain English, and tell you what we'd do next.