SMSF Commercial Property Loan

Grow your retirement fund with SMSF commercial property loans.

Guide to Commercial Property Loans

Using SMSF Commercial Loans to Acquire Properties

One great investment is real estate. As an SMSF trustee, you can use SMSF loans to increase your borrowing capacity and purchase a commercial property that delivers rental income to the fund. But like any investment strategy, borrowing through SMSF comes with a few complexities. It should comply with the Australian Taxation Office’s rules and regulations. Plus, it must be aligned with the fund’s overall investment strategy. 

This is where we step in. We have our own Australian credit licence, which allows us to deal with hundreds of lenders. You can count on us to find ultra-competitive SMSF commercial property loan interest rates and terms that best suit your needs.

Loan Terms That Consider Your Financial Situation

The main goal of a self-managed super fund (SMSF) is to support the members’ retirement & financial future. An SMSF trustee can use the fund to secure investments and increase the retirement savings members can enjoy once they enter their golden years. 

We work with experts who are accredited by the MFAA to guide you through all aspects of the process. All our consultants are expert insurance and mortgage specialists and will ensure you get a fully comprehensive service from us.

Borrowing to invest in your self managed super fund requires professional legal and financial guidance. Not getting it may seriously affect future investments. Regardless of your situation, we advise on the best structure for you to buy a commercial property through an SMSF loan. 

Custom SMSF Lending Framework

Whether you’re purchasing property for the sole use of leasing it through your SMSF, or for both business and personal use, you want to make sure your lending framework is tailored to maximise all tax incentives available. 

Our team carefully considers every part of the process, such as comparing credit providers & interest rates, looking at property value, exploring secured and unsecured options for your loan amount, evaluating loan terms and more. We have all of these finalised against each client’s financial situation.

Commercial Property in Australia
Low Interest Rate & Flexible SMSF Loans

What can be purchased with commercial property loans?

An SMSF commercial property loan  can be used to purchase buildings such as factories, warehouses, shops & offices. You can also invest in more specialist securities such as breweries.  

Commercial investment property can be rented out for an income to grow the super fund, but keep in mind that you can’t use the mortgage to fund new construction projects.

Loan-to-Value (LVR) rate & GST

The LVR and interest rates on your SMSF property loan can vary, which is why it’s good to compare. Calculating your loan repayments can be tricky if you have an irregular income. You might also need to estimate any GST impact that new purchase may have in order to see whether or not you’re able to. 

This is where our lending team can offer personal advice based on your financial situation.

As Featured In

Get a FREE Consultation SMSF Consultation Today!

Interested in acquiring commercial properties? Contact us to today schedule a phone meeting with one of our loan specialists. We’ll help you get you the service you need.

woman on the phone smiling at the camera

Why Us?

Get In Touch

Join the SMSF revolution, and kickstart your retirement!

    Contact Us
    +613 4827 2294

    Give us a call or drop by anytime, we endeavour to answer all enquiries within 24 hours on business days.