SMSF Commercial Property Finance

Finance commercial property through your SMSF with the right structure.

Buying business premises or a commercial investment property through a self-managed super fund? We compare specialist SMSF lenders, assess the property and borrowing structure, and coordinate with your accountant, financial adviser and legal team throughout the transaction.

See what lenders assess
What we can help with

Commercial property finance through your SMSF

SMSF commercial property lending can help eligible funds purchase or refinance property held for investment purposes.

  • Buying commercial property through an SMSF
  • Purchasing business premises to lease to a related business where permitted
  • Refinancing an existing SMSF commercial property loan
  • Structuring lending through a limited recourse borrowing arrangement
  • Comparing specialist SMSF commercial lenders
  • Working with your accountant, financial adviser, conveyancer and solicitor
  • Coordinating lender requirements through to settlement
How lenders assess the deal

The fund, property and structure all matter

SMSF commercial property lending is assessed differently from standard commercial finance. We coordinate with your professional advisers to help ensure the lending structure aligns with the wider SMSF transaction.

The type, location and use of the property
The SMSF's available cash and ongoing contributions
The proposed loan amount and deposit
The limited recourse borrowing arrangement
The fund's ability to meet repayments and ongoing costs
Lease arrangements and rental income
The members' ages and exit strategy
The SMSF trust deed and related legal documents
Existing fund assets and liabilities
Whether the transaction meets lender and superannuation requirements
Working with your advisers

A coordinated approach delivers better outcomes

An SMSF commercial property purchase often involves more professionals than a standard commercial transaction.

While we arrange the lending, your professional advisers remain responsible for providing accounting, legal and financial advice relevant to your circumstances.

Accountant
Financial adviser
SMSF administrator
Solicitor
Conveyancer

Each adviser has an important role in helping ensure the structure, documentation and transaction are completed correctly.

Why Freedom Financing

Helping bring the whole transaction together

SMSF commercial property purchases involve more than simply finding a lender. We help keep the finance process coordinated from the initial review through to settlement.

  • Comparing specialist SMSF commercial lenders
  • Explaining lender requirements in plain English
  • Working closely with your accountant, financial adviser, solicitor and conveyancer
  • Coordinating the information required by the lender
  • Managing the application through to settlement
  • Keeping you informed throughout the process with a single point of contact
Frequently asked questions

SMSF commercial property finance questions

Potentially. An SMSF may be able to purchase eligible commercial property and lease it to a related business where the arrangement complies with superannuation legislation and lender requirements.

In most SMSF borrowing arrangements, a limited recourse borrowing arrangement is required. Your solicitor and accountant can advise on the appropriate structure.

Potentially, subject to lender policy, the existing loan structure and the circumstances of the fund.

Deposit requirements vary between lenders and depend on the property, the SMSF and the proposed transaction.

A conversation with your broker is a good starting point to understand lender requirements. We can then work alongside your accountant, financial adviser and solicitor to help coordinate the finance process.
Talk through the proposed transaction

Understand the lending requirements early

We can review the property, fund position, proposed structure and available contribution, then explain the likely lender pathways and information required.