SMSF Commercial Loan
Unlock the potential of your SMSF with a competitive rate on commercial property loans.
SMSF Commercial 70
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Available for purchase or refinance -
No monthly, ongoing, or settlement fees
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Unlimited additional repayments**
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Split with fixed rate option available
Why choose our SMSF loan to finance your commercial property?
SMSF lending for savvy investors
Unlimited additional repayments**
Zero monthly, ongoing, or settlement fees
Track & manage your loan conveniently
Meet the team behind Australia’s Home of Loans
We have been making it easier for Aussies to access great value home and car loans with our award-winning rates, fast approval and seamless digital experience.
A self managed super fund loan that looks just like this
How does SMSF Commercial property investment work?
- Leverage your SMSF to invest in a commercial property and start by looking into a competitive rate loan.
- The returns on the investment, which can either be your capital gains or rental payments, are funneled back into the superannuation fund for your retirement.
- Alternatively, if you’re looking at refinancing your SMSF loan, explore your options with us and start saving.
Your guide to SMSF loans
A Self-Managed Super Fund, or SMSF, is a private superannuation fund that allows you to manage your own superannuation investments for your retirement. Not everyone can set up their own superannuation, so understanding the basics is crucial before getting started.
Frequently asked questions
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.
Refinancing doesn’t change your fund’s investment strategy or the property’s ownership structure. It simply changes who your lender is. You should confirm with your accountant or SMSF advisor that the new loan continues to meet your fund’s borrowing arrangement requirements.
Some documents you’ll need to refinance include:
- Your recent Super Fund Statement/s evidencing contributions, cash, investments, rental
- Evidence of rental income
- Previous independent legal advice
- 6 months statement of the loan being refinanced
- Certified copies of SMSF Trust Deed and Property Trust Deed
For a full list of documents required, chat to one of our lending specialists on Live Chat or 1300 567 529.
Thinking of buying property with your super? We’ll help you understand which homes, units, or commercialspaces your SMSF can finance without the confusion.
Commercial
(Purchase or refinance)
Residential
(Refinance)
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.
David
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Retirement options for SMSF Property
Buying a property through an SMSF has become a popular option for superannuation fund members. In this article, we give you a rundown of what you can do with your SMSF property at retirement.
How to refinance an SMSF loan
Thinking of refinancing your SMSF loan? At loans.com.au we make the process simple and easy. Find out how to get approved today.
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
A guide to selling SMSF property
Can I lend money to my SMSF to buy an investment property?
Kathryn
Lending Specialist
Real people, based in Brisbane, Australia
Our experienced home lending specialists are here to help. Let's chat about your home loan options today.