SMSF Brokers Australia

SMSF Commercial Finance Broker

Helping you secure Commercial property investment through your SMSF

Commercial SMSF lending has tightened over time, but there are still strong options available when the deal is structured properly. We work with lenders who understand this space and can help you secure funding that fits your fund and long term plans.

What to know

SMSF commercial lending has its own rules, limits and considerations. Before you move ahead, it’s important to understand how it works and what lenders look for.

Lending limits

Flexible LVR that adapts to your investment scenario

Lending limits can vary dependant on the type of property and location.
Owner occupied

Use your own premises

Purchase a commercial property through your SMSF and lease it back to your business.
Property type

Standard vs specialised

Standard assets may reach higher LVRs, while specialised properties are typically capped lower.
Lender and costs

How lending is structured

SMSF loans are usually through non bank lenders, and GST may apply depending on how the property is purchased.

What you can do with an SMSF

Invest or operate from your property

You can use your SMSF to purchase commercial property and lease it to your own business or hold it as an investment. This includes office, retail, industrial and mixed use assets, depending on the property and location.

For larger purchases, structures like unit trusts can allow you to invest alongside others, combining super and personal or business funds.

Build your position inside super

There are a number of ways to strengthen your deposit and overall position within your SMSF.

  • Use concessional and non concessional contributions

  • Access carry forward or bring forward caps

  • Combine existing super with new contributions

  • Structure contributions to support borrowing capacity

These strategies should be aligned with your accountant or financial planner.

Structure servicing to suit your scenario

Commercial SMSF lending allows for different approaches to showing affordability.

  • Use historical super contributions as income

  • Project future contributions based on income

  • Include personal income and liabilities if required

  • Use low doc options such as BAS or accountant letters

We structure this based on what gives you the strongest position.

Understand lending limits

Lending will vary depending on the type of property and security, speak to us today to see what’s possible.

If you’re considering a commercial purchase through your SMSF, the first step is understanding your borrowing position and how the deal should be structured.

Book a consultation and we’ll review your numbers and walk you through what’s possible.

Call us, we're here to help

Our SMSF specialists will help guide you through the process and get you to your goal sooner.
0423 833 323

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SMSF Brokers Australia

Lending solutions for you.

SMSF Brokers Australia is a specialist mortgage broker focused on property investment through super, supporting clients across Australia.

We help with commercial and residential SMSF finance, structured to suit your fund and long term plans.

Commercial SMSF | Residential SMSF | Owner Occupied Business Premises | Investment Property Finance
This website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.
Establishment Apparel Pty Ltd trading as SMSF Brokers Australia (ABN 50 656 353 105) with Credit Representative Number 554449 is a Credit Representative of Australian Credit Licence 387025.