Increase the growth of your SMSF Property Investment.
Get specialist advice from the SMSF Loan Experts today. No fees & charges. No obligation. Call 1300 781 680 or request a call back below!
SMSF Refinance Special – Limited Time Only
The Ultimate Business Hack: Rent to Yourself
As a business owner, paying rent is a sunk cost. But when your SMSF owns your commercial premises, your business pays market-rate rent directly into your own super fund. This creates a powerful wealth-building loop.
Best of all? Because it’s an arms-length commercial arrangement, your business enjoys total security of tenure. No unexpected lease terminations, no unreasonable rent hikes from external landlords.
100% Tax-Deductible Rent
The rent your business pays is a fully deductible business expense, reducing your company’s taxable income.
Concessional Growth
That rent enters your SMSF as fund income, where it’s taxed at a maximum of just 15%—far lower than your personal or corporate tax rate.
The Retirement Loop
Use your current business overheads to clear your SMSF property loan, building a massive, unencumbered commercial asset for retirement.
SMSF Refinance Special – Limited Time Only
The SMSF Landscape: Commercial is the Path Forward
Following recent federal government changes, the door has officially closed on using a Limited Recourse Borrowing Arrangement (LRBA) to buy residential investment properties with super borrowings.
But here’s the good news: Commercial property—known under tax law as Business Real Property—is completely unaffected and remains 100% compliant.
If you’re a business owner or self-employed trustee, the smartest move you can make right now is shifting your strategy from residential investing to purchasing your own commercial workspace. The tax perks are fully locked in, the wealth accumulation is faster, and you are completely insulated from the new residential restrictions.
What Counts as Business Real Property?
Investing inside a super fund means following strict compliance rules. To borrow for a commercial property, the asset must be used “wholly and exclusively” for carrying on a business. We help our clients secure approvals for high-yield, compliant workspaces every day, including:
Industrial & Trade
Warehouses, factories, fulfilment centres, and workshops.
Professional Suites
Corporate offices, tech hubs, and creative workspaces.
Retail & Hospitality
Shop fronts, showrooms, boutique spaces, and cafes.
Medical & Allied Health
GP clinics, dental practices, physiotherapy rooms, and pharmacies.
Important Check: Because of the strict legal definition, properties that are part-residential and part-commercial, or vacant land intended for development, generally won’t pass the test for an SMSF loan. We’ll review your property choice upfront so you don’t waste time or risk a deposit.
Our SMSF Services
Whether you're looking to purchase a commercial property inside your super or refinance an existing SMSF loan, our experienced team of Self-Managed Superannuation Fund service providers can help you find the right SMSF loan.
Commercial SMSF Property Loans
Why pay rent to a landlord when your business can pay rent directly into your own retirement nest egg? We specialise in helping small business owners and self-employed trustees secure commercial SMSF loans. Whether it’s an office, warehouse, retail shop, or medical suite, we build tailored lending strategies so your super can purchase your workspace.
SMSF Loan Refinance
If your residential or commercial property loan is more than 2 years old, you could be missing out on more competitive products recently released to the market. We compare SMSF lending options against your financing needs to match you with the most cost-effective refinance loan for your circumstances.
SMSF Setup
Ensure your Self-Managed Super Fund (SMSF) is set up correctly and compliantly for commercial property acquisitions. We help with the setup of your fund, all the way through to the settlement of your property—we can even organise to have your loan pre-approved before your super fund has been established.
Low-Doc & Self-Employed SMSF Loans
Being self-employed or having a complex trust structure shouldn’t stop you from building wealth. We offer market-leading Low-Doc SMSF loans that may not require full financials. Verify your income with simple alternative documentation, and access the same sharp interest rates as full-doc loans.
SMSF Lending Strategy
Our goal is to find the right Self-Managed Super Fund lending strategy for you. Investing in business real property within your SMSF can be complicated. Our seasoned SMSF lending specialists help simplify the whole process.
Bad Credit SMSF Loans
Having a bad credit score doesn’t have to mean you miss out on borrowing to invest or get stuck with high interest rates. At SMSF Loan Experts, we offer lending solutions especially geared for clients with a less-than-perfect credit history.
Trusted & Awarded
Industry-Leading SMSF Loan Experts
Low Interest Rate & Flexible SMSF Loans
Access Ultra-competitive SMSF loan rates with unrivalled property flexibility.
Focused Expertise
Approval for more property types including industrial warehouses, professional offices, retail suites, medical clinics, and agricultural operations.
Property Loans
Lower rates and higher purchasing capacity with up to a 75% LVR (Loan-to-Value Ratio) framework for business real property.
SMSF Expertise
Expert attention to the complex paperwork required for those leveraging Self-Managed Super Funds to reach their investment goals.
How Our Super Fund Loan Process
Works
Our streamlined process ensures you get the best SMSF loan with minimal hassle.
Here’s how it works:
How Our Super Fund Loan Process
Works
Our streamlined process ensures you get the best SMSF loan with minimal hassle.
Here’s how it works:
Assess and Plan
We assess your situation and explore
lending options to plan your investment
strategy.
Apply and Negotiate
We manage the loan application and
negotiate with lenders to get you the best
terms and rates.
Fund and Implement
Once approved, we ensure quick
disbursement and assist with your
investment strategy, providing ongoing
support as needed.
The Truth About Most SMSF Loans You'll Find On The Market Today
Most common SMSF property loans are stiff and restrictive—meaning you’re generally bound to a higher interest rate, with limits around the types of property you can borrow within your super fund, plus excessive fees & charges.
Property lawyers, banks, accountants, and financial advisers are all great at what they do. Still, the complex nature of Self-Managed Super Fund lending and its regulations means that these professionals are rarely able to fully understand all that’s involved with SMSF lending.
As a result, it’s not uncommon for many Self-Managed Super Funds to end up with lost deposits, non-compliant structures or property loans that limit the outcome of their investment. These errors could mean the SMSF trustee misses out on a larger nest egg when they retire.
We use our expertise to help facilitate the entire process to avoid unnecessary issues arising. Because we hold our own Australian credit licence, we have access to a broader range of products and offer a personalised service that ensures your credit assessment goes smoothly. We make investing simple, with great rates to boot!
The Right SMSF Loan Could Add Hundreds Of Thousands Of Dollars To Your Retirement
With a correctly optimised loan, Self-Managed Super Fund structure, & property type, your fund could be hundreds of thousands of dollars larger when you retire. Here are some questions you need to ask when borrowing money through your super fund.
Has my SMSF been given its maximum borrowing capacity?
If not, you’re missing out on optimising your investment returns.
Have Related Party loans been properly explained to me?
If not, your fund may end up paying thousands and thousands of dollars in fees and charges plus interests over the life of the loan, resulting in a lower balance in retirement. This is especially critical for those leasing premises back to their own operating businesses.
Did you know that some lenders offer vastly different loan-to-value ratios to SMSF borrowers?
Being short-changed could limit your purchasing capacity, resulting in a lower balance at retirement. At SMSF Loan Experts, our lenders support up to 75% LVR for commercial business real property.
How We Help You Get Better Results From Your Super Fund
We help the trustees of Self Managed Super Funds optimise their loan and lending structure to get the best possible outcome, using the best SMSF lending products, smart strategies, and carefully tailored service, with minimal fees and charges.
Imagine you could borrow at a competitive interest rate and purchase a high-growth, high-yield property. Or imagine your business paying tax-deductible rent directly into your own super fund.
Enquire now to see how we can set you up with flexible SMSF property loans, or refinance an existing SMSF loan. We offer a no-obligation, no strings attached chat, free from fees and charges.
No Tax Returns? No Problem. Our Low-Doc Framework.
We know that running a business means your capital is active and your tax returns aren’t always ready when a prime piece of commercial real estate hits the market. Most traditional banks will show you the door if your paperwork isn’t immaculate. We do things differently.
Through our 75% LVR Low-Doc framework, we pre-qualify self-employed trustees using alternative income verification. We can secure your approval using:
-
A simple Accountant’s Letter or Certificate of Capacity.
-
Recent business bank statements showing consistent cash flow.
-
Historical BAS (Business Activity Statements).
You’ve worked hard to build your business. We believe your SMSF property loan application should reflect your current cash-flow reality, not yesterday’s paperwork. Let’s look at your numbers today.
Low Interest Rate & Flexible SMSF Loans
Access Ultra-competitive SMSF loan rates with unrivalled property flexibility.
Frequently Asked Questions About
SMSF Loans
Common Questions Answered
Yes, SMSFs can borrow money for property, managed funds, or shares using a
Limited
Recourse Borrowing Arrangement (LRBA)
. This process is heavily regulated, so
getting expert advice is recommended. Contact us for more details.
Navigating through property investments within an SMSF involves various
considerations such as property values, regulatory changes, interest rates, tenant
occupancy, and financial liquidity. Working closely with experienced experts can help
manage these factors effectively and ensure the stability and growth of your
investment portfolio.
ENQUIRE NOW
Frequently Asked Questions About SMSF Loans
“We were so impressed, we hired them again to refinance the loans for our other properties.”
Lee Johnson, Melbourne
“SMSF Loan Experts helped with everything from advice about purchase and SMSF setup right through to settlement.”
Sarah Wilson, Brisbane
"We choose to use SMSF Loan Experts for our clients because their knowledge in this specialised field is outstanding."
John Collignon, C2 Lending
As Featured On
Cars and pink diamonds; what SMSF investors are buying besides equities
Talk about alternative investing! Our fearless leader Yannick went live on Ausbiz - Australia's leading provider of the latest news in Australian business, markets, economy and startups. Yannick discusses what the self-directed crowd are buying when shares have run too hot. The answers may surprise you.
Talking Business Podcast
Our fearless leader Yannick was featured on the 'Talking Business Podcast' that wraps up the week's business finance and economics news - in just 30 minutes! Yannick goes over SMSF's & NDIS investments.
Free SMSF Finance Session
Contact us today, or schedule a phone meeting with an SMSF Loan Expert to make sure you get the right SMSF Lending advice 1300 781 680