Learn more about SMSF Commercial borrowing
How to use our SMSF Commercial Borrowing Power calculator
To estimate how much you can borrow to invest in commercial property using your super, you will need four key details:
- The interest rate for the loan you plan to use.
- The expected annual rental income from the property which helps determine your ability to make repayments.
- Your annual salary.
- Your total salary sacrifice, which is the portion of your wages you choose to exchange for another benefit of similar value.
Once you have these details, enter them into our calculator and it will display your estimated maximum borrowing capacity.
FAQs
A Self-Managed Super Fund (SMSF) is a private superannuation fund that you manage yourself for your retirement. As a trustee, you're responsible for managing the fund and ensuring it complies with superannuation laws.
Before setting up an SMSF, we recommend speaking with your accountant, financial adviser or other qualified professional to understand whether it's right for your circumstances.
For a SMSF commercial loan, the only fee you’ll pay to is a one-off security assessment fee, which for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million. If you are making a purchase, there will also be a $490 legal fee applicable.
Other lenders may charge an application fee, exit fees, annual fees, and discharge fees, so it’s important to do your research before making your decision.
We may be able to refinance eligible residential and offer lending for commercial investment properties held within a SMSF, subject to our lending criteria.
Eligibility will depend on factors such as the property type, location and valuation.
You'll start with a phone appointment with one of our SMSF lending specialists to discuss your refinancing needs and complete your application.
If your loan is pre-approved, you can contact your current lender to request a “Discharge Authority Form” from your existing loan.
Following that, you can submit your documents and monitor your application in real-time via our onTrack portal.
Once the required documents have been signed and returned via onTrack, your loan settles, which means your funds will be ready to be paid out to your previous lender.
You'll remain responsible for your existing loan until the refinance has settled and been confirmed.
When your loan settles, you’ll receive login details to manage your repayments and account details via our Smart Money app.
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Kathryn
Lending Specialist
Real people, based in Brisbane, Australia
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