Can my SMSF buy my business premises?

Yes, your SMSF can purchase a commercial property and lease it back to your business, provided the rent is set at market value and paid promptly to remain ATO compliant.

What types of properties are eligible?

Commercial, retail, office, warehouse, and industrial properties are typically accepted. Specialised or mixed-use assets may be considered by select lenders.

How much can my SMSF borrow?

Most lenders allow up to 75% LVR for SMSF commercial properties, depending on lease income, fund balance, and contributions.

Can I refinance my existing SMSF commercial loan?

Yes, refinancing can help reduce rates, improve cash flow, or consolidate fund debts, provided the structure remains compliant.

What’s the difference between residential and commercial SMSF loans?

Commercial SMSF loans typically allow lower LVRs (up to 75%), but may offer higher yields and the ability to lease to a related party business.

SMSF Commercial Property Loans

Your Self-Managed Super Fund can invest directly in commercial property - from offices and warehouses to retail spaces and industrial sites. At Rethink Financing, we help trustees secure SMSF Commercial Loans that meet ATO and superannuation compliance requirements, while delivering competitive rates and tailored structures that support long-term wealth growth.

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Invest In Commercial Property Through Your Super

An SMSF Commercial Property Loan allows your super fund to purchase business or investment premises, giving you greater control and flexibility over your retirement strategy. Whether you’re buying your own business property or leasing to a third party, we’ll structure a compliant SMSF Commercial Loan that optimises cash flow, tax efficiency, and asset protection.

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Use your superannuation to purchase commercial property

Borrow up to 75% of the property’s value

Lease to your own business at market rent (ATO compliant)

Potential tax efficiencies through super fund ownership

Structured under a Limited Recourse Borrowing Arrangement (LRBA)

Check Your Eligibility

Simple Process. Strong Compliance.

STEP
1

Fund & Structure Review

We review your SMSF trust deed and structure to confirm compliance with ATO and SIS Act lending requirements.

STEP
2

Lender Selection & Documentation

We compare specialist SMSF lenders, verify eligibility, and prepare the required documents for approval, ensuring your LRBA structure is correct from the start.

STEP
3

Settlement & Long-Term Support

Once approved, we manage settlement and provide ongoing support to ensure your SMSF loan remains compliant and aligned with your investment goals.

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Experts in SMSF Lending

Commercial SMSF loans require a deep understanding of compliance, lending policy, and tax structure. Our experienced brokers work closely with trustees, accountants, and advisers to ensure your loan is structured correctly - protecting your fund and maximising long-term returns.

Specialist Knowledge – Experts in SMSF and LRBA lending.

30+ Lenders – Access major banks and SMSF specialists.

End-to-End Guidance – From structure to settlement.

Clear Communication – No jargon, just clarity.

Award-Winning Service – Recognised for excellence in lending.

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Do you have a 3+ years lease in place?

Yes

Does the tenant operate business between 6:00am to 6:00pm?

Yes

Can you provide at least one power bill issued within the preceding 3-months?

Yes

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SMSF Commercial Property Loan FAQs

Before reaching out, check out our frequently asked questions to see if we’ve already answered what you’re looking for.

Award-winning
commercial
property financers

Our offering

We specialise in providing personalised solutions, recognising that each client and their situation is immensely unique. The Rethink Financing approach involves tailoring strategies to align precisely with individual goals. With access to a wide array of lenders, we’re not confined to specific products or banks, ensuring a diverse range of options for our clients. Backed by our team’s expertise and diligent guidance, you can trust us to provide thorough advice and support every step of the way.

Our Strategy

We pride ourselves on fostering strong networks and relationships with all key stakeholders including lenders, BDMs and bankers, enabling us to collaborate effectively and transparently. Through these network relationships, they support us as we support them in achieving mutual success.

Knowledge sharing is fundamental to our ethos, through weekly team collaborations, workshops and peer reviews, we ensure that insights are exchanged, lessons learned, and challenges addressed.