SMSF Commercial Property Loans
SMSF commercial property lending, structured properly.
Your super fund can still borrow to buy commercial property, including your own business premises. The structure has to be right from day one.
Lending
Commercial property inside your super.
Since 10 August 2026, self managed super funds can no longer take on new borrowing to buy residential property. Borrowing to buy commercial property is still permitted, through a limited recourse borrowing arrangement, and a smaller group of specialist lenders continue to offer it.
For many business owners, that means the fund can buy the premises the business operates from, with the business paying market rent to the fund. We work alongside your accountant and financial adviser so the loan supports the fund's investment strategy and meets the relevant requirements.
Why Finstac
What you get working with us.
Commercial property only
We arrange SMSF lending for commercial property. We do not arrange new residential lending inside super.
Works alongside your advisers
We coordinate with your accountant or financial adviser rather than working in isolation.
Specialist lenders
SMSF commercial lending sits with a smaller group of lenders. We know which ones offer it and on what terms.
How it works
A clear process, from first conversation to settlement.
- 01
Initial discussion
We discuss the fund, the commercial property and your existing professional advisers.
- 02
Structure planning
We outline a limited recourse borrowing structure appropriate to the fund.
- 03
Lender selection
We approach the specialist lenders that offer SMSF commercial property lending.
- 04
Settlement
We support the fund through to settlement, working alongside your other advisers.
Common questions
Common questions.
For commercial property, yes. Since 10 August 2026, new SMSF borrowing for residential property is no longer permitted. A fund can still borrow to buy commercial property through a limited recourse borrowing arrangement, with lenders that offer it.
Often, yes. A fund can generally buy business real property and lease it to a related business at market rent. The rules are specific, so your accountant or financial adviser should confirm it suits your fund.
Yes. SMSF commercial lending usually carries different rates, lower maximum lending ratios and stricter terms, reflecting the structure and risk involved. We compare current options as part of an initial conversation.
We strongly recommend it. SMSF lending sits alongside broader compliance and investment strategy considerations that are best handled together with your existing advisers, and we are glad to work alongside them.
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