Specialist SMSF lending for Australian business owners and investors. Purchase your premises, warehouse, office or retail asset through your Self-Managed Super Fund with tax-effective, limited recourse loans arranged in as little as 21 days.
A smarter way to build wealth through commercial property.
For business owners and sophisticated investors, purchasing commercial property through a Self-Managed Super Fund unlocks tax advantages that simply aren't available outside super. We handle the complex lending side so you can focus on the opportunity.
Rental income is taxed at just 15%, and capital gains at 10% (or nil in pension phase).
02
Own your business premises
Your SMSF becomes the landlord. Pay rent to your own fund, not someone else's.
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Limited recourse borrowing
LRBA structures ring-fence the property, protecting other super assets from lender claims.
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Diversify your super
Add tangible, income-producing commercial real estate alongside shares and cash.
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Long-term wealth building
Capital growth and rental income compound inside the low-tax super environment.
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Retirement-ready asset
Transition to pension phase and potentially receive tax-free rental income.
How it works
From enquiry to settlement, we handle the heavy lifting.
01
Discovery call
We learn about your fund, your business, and the property you have in mind.
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Structure & strategy
We work with your accountant to ensure the LRBA structure is set up correctly.
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Lender selection
We compare 30+ SMSF lenders to find the best rate, LVR and terms for your fund.
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Approval & settlement
We manage the entire application through to settlement, usually within 21–30 days.
SMSF LOAN CALCULATOR
Estimate your SMSF commercial loan in under 60 seconds.
A quick indicative estimate of your borrowing power and monthly repayments. For a tailored assessment against 30+ SMSF lenders, speak with our specialists.
“The team structured our SMSF loan to buy our own warehouse. We now pay rent to our super fund instead of a landlord, a game changer for our retirement plan.”
Michael T.Business owner, Sydney★★★★★
“Refreshingly straightforward. They coordinated with our accountant, handled the LRBA setup and got us settled on a $2.4m retail asset in three weeks.”
Sarah & James P.SMSF trustees, Melbourne★★★★★
“I'd been quoted a much higher rate elsewhere. Commercial SMSF found me a lender 1.1% cheaper, saves my fund tens of thousands over the loan.”
David L.Dental practice owner
FAQs
Everything you need to know.
Can my SMSF actually borrow to buy commercial property?
Yes. A complying Self-Managed Super Fund can borrow to purchase commercial property using a Limited Recourse Borrowing Arrangement (LRBA). The property is held in a separate holding trust, and the lender's rights are limited to that single asset. It is a well-established structure used by thousands of Australian business owners and investors.
How much can my SMSF borrow?
Most SMSF lenders will fund up to 80% of the property value for commercial assets, meaning your fund needs a deposit of at least 20% plus costs. The exact amount depends on your fund balance, the property type and the servicing (usually rental income plus member contributions). We compare 30+ lenders to find the highest LVR and best terms for your situation.
Can I lease the property back to my own business?
Yes, and this is one of the biggest advantages. Commercial property that qualifies as "business real property" can be leased to a related party, including your own business, provided the lease is on genuine commercial arm's-length terms at market rent. In effect, your business pays rent to your super fund rather than to an external landlord.
What are the tax benefits?
Inside super, net rental income is generally taxed at just 15%, and capital gains on assets held longer than 12 months are effectively taxed at 10%. Once the fund moves into pension phase, both rental income and capital gains may be tax-free. These concessions are not available when property is held in your personal or company name.
How long does approval take?
Once your fund is set up correctly and documents are in order, indicative approval can come through quickly, and most transactions settle within 21 to 30 days. We manage the whole application, coordinate with your accountant, and keep the process moving so nothing stalls.
Do I need financial advice?
Setting up an SMSF and an LRBA has legal, tax and compliance implications, so we always recommend obtaining licensed financial, taxation and legal advice before proceeding. We are lending specialists and work alongside your accountant and adviser to make sure the structure is right for your fund.
Get in Touch
Your next step starts with a simple hello.
A short conversation is often all it takes. Tell us about your fund and the property you have in mind, and we'll walk you through your options clearly and without pressure.
