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From commercial property purchases to refinancing and development, we structure finance that aligns with your business goals — not just lender criteria.
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Yes. A self-managed super fund can borrow to purchase commercial property through a Limited Recourse Borrowing Arrangement (LRBA), provided the property qualifies as business real property under section 66 of the SIS Act. This remains available even after the 2026 changes that restricted residential SMSF borrowing.
Business real property is land and buildings used wholly and exclusively for running a business, such as offices, warehouses, factories, and retail premises. It is now the qualifying test for all new SMSF property borrowing, not just for related-party purchases.
Yes, this is one of the most common commercial SMSF strategies. Your SMSF purchases the property and leases it back to your operating business at market rent, which must be documented and paid on commercial terms to stay compliant.
Most lenders require a 30 to 35% deposit for SMSF commercial property loans, higher than the deposit typically needed for standard commercial loans outside super. The exact figure depends on the lender, the property type, and the fund's overall serviceability.
A Limited Recourse Borrowing Arrangement is a structure where the SMSF borrows to buy a single asset held in a separate bare trust. If the loan defaults, the lender's recourse is limited to that one property, so the rest of the fund's assets are protected.
Yes. The residential LRBA ban that took effect on 10 August 2026 does not apply to commercial or business real property. Commercial SMSF lending continues under the existing rules, including for related-party premises leased back to your business.
Yes, provided the property is business real property and the purchase happens at market value on arm's length terms. This is a common way for business owners to move their premises into their super fund.
The most common issues are the bare trust and loan structure not being set up correctly before the contract is signed, the fund not having enough liquidity to service the loan alongside contributions, and the property failing the business real property test. Getting the structure and finance pre-approved before you sign a contract avoids most of these.
Lenders assess servicing using the fund's existing income, including rental income from the property once leased, plus contributions where reliably established. Because SMSF loans are limited recourse, lenders tend to apply more conservative serviceability buffers than standard commercial lending.
An SMSF loan sits inside superannuation and must go through a compliant LRBA and bare trust structure, is limited recourse by law, and is subject to superannuation rules on top of normal lending criteria. A standard commercial loan has none of those structural requirements.
Because the bare trust, fund trust deed, and lender's LRBA documentation all need to be in place before settlement, SMSF commercial loans generally take longer to arrange than a standard commercial purchase. Starting the structure and pre-approval process early is the biggest lever for keeping a purchase on schedule.
Yes, you should get advice from a licensed financial adviser and your accountant before proceeding, since this is a superannuation strategy as well as a lending one. A broker can structure and arrange the loan, but the decision to use super this way should be checked against your fund's overall strategy first.
