SMSF lending
Buying commercial property through your self-managed super fund.
A self-managed super fund can borrow to buy commercial property through a limited recourse borrowing arrangement. The rules are strict and fewer lenders offer these loans, so the structure needs to be right from the start. George arranges the lending and works alongside your accountant or financial adviser.
How George can help
- Explain how SMSF commercial property loans work
- Compare the lenders that offer SMSF loans
- Explain the bare trust and custodian structure
- Coordinate with your accountant and adviser
- Prepare the application with your fund’s trustee
- Manage the loan through to settlement
Good to know
George arranges the loan, not the investment decision. Speak with a licensed financial adviser and your accountant about whether buying commercial property in your super fund suits you.
SMSF loans often need a larger deposit, and rates and fees can differ from standard commercial loans.
Common questions
No. As of August 2026, an SMSF can no longer borrow to purchase a residential property, so SMSF lending now applies to commercial property only. Your accountant or financial adviser can explain how the change affects your fund.
Yes, commercial property used by your business can be held in an SMSF and leased at market rent. Your accountant can confirm whether the property qualifies and suits your fund.
This page is general information only and does not take into account your objectives, financial situation or needs. It is not credit advice. Lending criteria, fees and charges apply. Credit Representative 406032 is authorised under Australian Credit Licence 384408. Australian Credit Licence 384408 is held by Elders Home Loans Pty Ltd (ABN 22 118 064 654).
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