Purchase commercial property through your SMSF.
SMSFs can purchase commercial property — including business premises occupied by a related party — making this a highly effective strategy for business owners. Get Home Loan's specialist brokers navigate the complexity of SMSF commercial lending to find the right solution.
SMSF Commercial Property — A Powerful Strategy
One of the most compelling SMSF property strategies available to business owners is purchasing your own business premises through your super fund. Your business pays rent to the SMSF at market rates — building your retirement wealth while potentially reducing your personal tax liability. Unlike residential SMSF property, commercial properties can be leased to related parties under specific conditions.
Get Home Loan's brokers have extensive experience structuring SMSF commercial loans and coordinating with solicitors, accountants, and SMSF administrators to ensure full compliance.
Key SMSF Commercial Lending Rules
- Related party leasing is permitted for commercial property (unlike residential)
- Market rent must be charged — at arm's length
- Bare trust required for LRBA structure
- LVR typically up to 70% for commercial SMSF loans
- Fund must be able to service the loan from super contributions and rent
- Strongly recommended: specialist SMSF accountant involvement
Commercial Property Types
Office premises · Retail shops · Industrial warehouses · Medical and dental surgeries · Factories · Mixed-use commercial properties · Professional practice premises
Strategy Review
We assess whether SMSF commercial property purchase is appropriate for your fund and business situation.
Professional Coordination
We coordinate with your SMSF accountant, solicitor, and any financial planner to align the structure correctly.
Lender Selection
We identify lenders who specialise in SMSF commercial loans and structure the application for the strongest possible submission.
Settlement
SMSF commercial settlements require careful management. We coordinate all parties to ensure a smooth, compliant outcome.
Frequently Asked Questions
Got questions? We have answers.
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