Our SMSF Commercial Loans

Loan reasons
Loan type
SMSF Loan Interest Rate Monthly Repayment Product Features Details

SMSF Commercial 70

Investor Principal & Interest Up to 70% LVR
6.94% p.a.  $3,306
  • Purchase or refinance commercial property
  • 30% deposit minimum
  • No monthly, ongoing, or settlement fees
  • Unlimited additional repayments
  • Split with fixed rate
  • Access your account via Smart Money app
Enquire now

SMSF Commercial 80

Investor Principal & Interest Up to 80% LVR
7.24% p.a.  $3,407
  • Purchase or refinance commercial property
  • 20% deposit minimum
  • No monthly, ongoing, or settlement fees
  • Unlimited additional repayments
  • Split with fixed rate
  • Access your account via Smart Money app
Enquire now

SMSF Commercial 80 (Fixed 2 Years)

Investor Principal & Interest Up to 80% LVR
7.74% p.a.  $3,579
  • Purchase or refinance commercial property
  • 20% deposit minimum
  • 90 day rate lock option available*^
  • No monthly, ongoing, or settlement fees
  • Up to $10,000 extra repayment/year
  • Access your account via Smart Money app
Enquire now

SMSF Commercial 80 (Fixed 3 Years)

Investor Principal & Interest Up to 80% LVR
7.79% p.a.  $3,596
  • Purchase or refinance commercial property
  • 20% deposit minimum
  • 90 day rate lock option available*^
  • No monthly, ongoing, or settlement fees
  • Up to $10,000 extra repayment/year
  • Access your account via Smart Money app
Enquire now

SMSF Commercial 80 (Fixed 5 Years)

Investor Principal & Interest Up to 80% LVR
8.14% p.a.  $3,718
  • Purchase or refinance commercial property
  • 20% deposit minimum
  • 90 day rate lock required*^
  • No monthly, ongoing, or settlement fees
  • Up to $10,000 extra repayment/year
  • Access your account via Smart Money app
Enquire now
#Based on the dollar value represented in the search fields with P&I repayments and a 30 year loan term.
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Why choose an SMSF Commercial loan?

Zero monthly fees

Saving on fees also means more money towards your SMSF goals.

One central hub

Access your SMSF loan via our easy-to-use online app Smart Money.

Unlimited repayments**

Pay off your SMSF loan sooner with unlimited extra repayments.

A win for you.

No application and settlement fee. No monthly or ongoing fees.

Calculate your SMSF borrowing capacity

Fill out your information, and we can estimate your maximum SMSF borrowing capacity on an investment property.

Your loan details

%
Based on the data you have supplied, we estimate you can borrow
$257,093
Most Popular

SMSF Commercial 70

Investor Principal & Interest Up to 70% LVR
Looking for a competitive SMSF commercial loan rate? loans.com.au has some of the most competitive SMSF commercial loan offers in the market.

Interest rate
6.94% p.a.
-% p.a.

Disclaimer:The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Information such as interest rates quoted and default figures used in the assumptions are subject to change.

An SMSF Commercial loan that looks just like this

Here’s your new offer with a competitive rate

Repayment Type

Maximum LVR of 70%

Product Interest rate from Comparison rate
SMSF Commercial 70 6.94% p.a.^ -

Maximum LVR of 80%

Product Interest rate from Comparison rate
SMSF Commercial 80 7.24% p.a.^ -
SMSF Commercial 80 (Fixed 2 Years) 7.74% p.a.^ -
SMSF Commercial 80 (Fixed 3 Years) 7.79% p.a.^ -
SMSF Commercial 80 (Fixed 5 Years) 8.14% p.a.^ -
Up to 30 years loan term Yes
Available for refinance or purchase Yes
Unlimited additional repayments Yes
No monthly or ongoing fees Yes
No settlement fee Yes
Application fee $0
Ongoing fees $0
Security assessment fee At cost
Government fees At cost
Settlement fee $0
Optional rate lock fee $350*^

SMSF Commercial loan eligibility

Slide 1

Paul

Verified review

Paul

Verified review

Meet Paul, an awesome customer of ours who came to us when he wanted to buy a commercial property through his self-managed super fund.

  • Paul’s wife Kylie had been renting a space for her Pilates studio in North Adelaide for over a decade. When a commercial unit became available within the same complex, they saw a golden opportunity to secure a permanent home for the business. After consulting with their financial adviser, they decided to set up a self-managed super fund (SMSF) and purchase the property through it.

  • Our online system guided Paul every step of the way, offering transparency, seamless communication, and quick document processing.

Customer reviews

Our Google Rating

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561 reviews

Our SMSF Commercial loan application process

1
Speak to our Specialist

Speak to our Specialist

Make an appointment with our lending specialists who will guide you through the SMSF loan process, including getting a pre-approval tailored to your needs.

Book An Appointment
2
Upload & Track

Upload & Track

Submit your documents and monitor your application in real time via our onTrack portal.

3
Approval & Signing

Approval & Signing

Signing document

4
Settlement

Settlement

Your loan will settle, and you’ll enjoy your new loan rate.

5
Manage Your Loan

Manage Your Loan

You'll receive your login details to manage your repayments and account details via our Smart Money app.

Frequently asked questions

Yes. Your SMSF can buy any eligible commercial property that satisfies the sole purpose test, meets the definition of a business real property and satisfies the business use test.

Yes. You can lease the property to anyone, including your business, as long as the lease is done at market rates and the premise is used wholly and exclusively for business activities. 

Please consult your financial adviser regarding specific requirements to ensure you are meeting the requirements of the SIS Act.

Yes. When your super benefits are inadequate to buy a commercial property, your SMSF can borrow money to buy property via a bare trust and a Limited Recourse Borrowing Arrangement (LBRA).

Yes. Any property used wholly and solely for business can be transferred to your SMSF. Doing so must satisfy the sole purpose test of contributing to the retirement savings of SMSF members.

An LRBA lets an SMSF trustee borrow from a third-party lender like loans.com.au to buy a property held in a separate bare trust. If the loan defaults, the lender’s rights are limited to the property.

You cannot borrow money to fund major renovations, but they are allowed if funded using cash from your SMSF and the renovations satisfy the sole purpose test.

Yes. It is possible to sublet part of a commercial property owned by an SMSF if doing so satisfies the Sole Purpose Test and the SMSF trust deed allows the sublease under a separate lease agreement.

Please consult your financial adviser regarding specific requirements to ensure you are meeting the requirements of the SIS Act.

The sole purpose test sets the acceptable reasons for which a SMSF can operate, these being to provide member benefits only after retirement, on reaching retirement age or on their death.

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