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SMSF commercial

SMSF commercial property loans.

Business owners: holding your business premises inside your SMSF is one of the most compelling structures in Australian wealth planning — when it fits. Here's what the lending side looks like.

Business real property

Why commercial is a different conversation.

SMSF commercial lending has a superpower that SMSF residential does not: the 'business real property' exception. If the property is used wholly and exclusively in one or more businesses, the SMSF is allowed to acquire it from a related party (including the business owner) and can lease it back to the related-party business on arm's-length commercial terms. This is how a huge number of SME business owners end up owning their own premises via their SMSF — and paying rent into their own super fund for 20 years instead of into a third-party landlord's pocket.

The lending side uses the same LRBA structure as SMSF residential, with slightly tighter LVR caps (often 65-70% for commercial SMSF). The lender panel is small, and lender appetite for specific asset types within commercial (industrial vs retail vs office) varies significantly.

Q&A

SMSF commercial FAQs

What makes a property 'business real property'?
The property must be used wholly and exclusively in one or more businesses — not necessarily the SMSF members' own business, though it usually is. There are detailed ATO rulings on this; it's not a box-ticking exercise.
Can my business pay rent to my SMSF?
Yes — that's one of the main reasons this structure exists. The rent must be at arm's-length commercial rates, documented with a formal lease, and paid on time, or the SMSF risks compliance issues.
Is SMSF commercial lending still available?
Yes. While the overall SMSF lender panel has shrunk compared to a decade ago, there's still a reasonable selection of lenders doing commercial SMSF. Pricing is slightly higher than standard commercial.
Important: SMSF lending decisions involve superannuation, tax, and legal considerations that sit outside the scope of mortgage broking. Nothing on this page is financial product advice. Always coordinate with your financial adviser, accountant, and SMSF specialist before acting on any SMSF lending information.
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Related pages

SMSF residentialCommercial property loansTrust lending

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