SMSF Commercial Loan
We can help you grow your commercial property potential through our SMSF loan with a competitive rate.
Book your free consultation with an SMSF Lending Expert
Our SMSF Commercial Loans
| SMSF Loan | Interest Rate | Monthly Repayment | Product Features | Details |
|---|---|---|---|---|
SMSF Commercial 70Investor • Principal & Interest • Up to 70% LVR |
6.94% p.a. | $3,306 |
|
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SMSF Commercial 80Investor • Principal & Interest • Up to 80% LVR |
7.24% p.a. | $3,407 |
|
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SMSF Commercial 80 (Fixed 2 Years)Investor • Principal & Interest • Up to 80% LVR |
7.74% p.a. | $3,579 |
|
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SMSF Commercial 80 (Fixed 3 Years)Investor • Principal & Interest • Up to 80% LVR |
7.79% p.a. | $3,596 |
|
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SMSF Commercial 80 (Fixed 5 Years)Investor • Principal & Interest • Up to 80% LVR |
8.14% p.a. | $3,718 |
|
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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.
An SMSF Commercial loan that looks just like this
Here’s your new offer with a competitive rate
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Our SMSF Commercial loan application process
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.
Upload & Track
Submit your documents and monitor your application in real time via our onTrack portal.
Approval & Signing
Signing document
Settlement
Your loan will settle, and you’ll enjoy your new loan rate.
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.
Sarah
Lending Specialist
Real humans based in Brisbane, Australia
As an experienced lending specialist, Sarah and our team can answer all your questions to get you on track.
A guide to SMSF Property Valuations
An SMSF property valuation is essential when creating annual SMSF financial reports. It’s there to confirm if your SMSF follows superannuation fund laws. The asset valuation also affects the returns for members and overall SMSF sector performance.
A guide to SMSF commercial property
Investing in commercial real estate is a popular way to use your SMSF. It provides great profit potential while giving members more flexibility compared to stocks, bonds, and residential property investments.
A guide to selling SMSF property
If you’re planning on selling your SMSF property, but don’t know how to go about it, here’s what you need to know:
Can I lend money to my SMSF to buy an investment property?
Retirement options for SMSF Property
The Pros and Cons of Using SMSF to Invest in Property
