SMSF Commercial Loan

We can help you grow your commercial property potential through our SMSF loan with a competitive rate.

Rates from^

7.44

% p.a

Our google rating

4.5 487 reviews

Multi-award winning

Book your free consultation with  an SMSF Lending Expert

Property type:

Commercial

Residential

Book My SMSF Consultation

Why choose a self managed super fund 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 sooners with unlimited extra repayments.

A win for you.

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

SMSF loan eligibility

Arrange a call

“I’d only heard good things about loans.com.au from my clients, so when I saw that you’d started lending for SMSF I didn’t hesitate.”

Peta

Bought first home

What other customers are saying

Helpful and professional

“The two ladies I delt were really helpful and professional couldn't be happier with the outcome.„

Daniel H.

26 May 2025

Fast approval

“Amazing service. Trina went above and beyond to make it an easy and fuss free experience!! Easy online portal to upload documents and fast approval. Our second loan through them and would use again and again!„

Danielle T.

21 May 2025

Speed, efficiency, and real human support

“Trina’s support made all the difference, and I can’t thank her enough! If you're looking for a loan provider that combines speed, efficiency, and real human support, I highly recommend Loans.com.au.„

Michael I.

09 May 2025

Very professional

“Very professional, always maintain contact through out the process and quick to respond when calling or emailing. Overall process was quick and easy. Thumbs up 👍 would definitely use them again.„

Stewart O.

05 May 2025

Great outcome

“Thankyou Tiffany for being so kind, warm, friendly, and helpful to my husband and I. Its people like you that make life's decisions so much easier. We need more people like you and your personality doing the type of service you offer. Thankyou for all your support for a great outcome.„

Donna A.

30 Apr 2025

Excellent customer service and support

“Thanks to the hard work and commitment of both Emira and Cherie, I felt confident and well-supported at every step. I would highly recommend Loans.com.au to anyone seeking car finance solutions, and I look forward to working with your team again in the future.„

Avi I.

29 Apr 2025

Highly recommended

“Great to deal with kept us up-to-date every step of the way with the refinancing would highly recommend them.„

Bradley P.

28 Apr 2025

Less stressful

“Brent is the best lending manager I have ever dealt with. Patient, friendly and knowledgeable. Always willing to help and also provide options to consider so that I don't miss out anything. This made my purchase and refinance of investment property much less stressful„

Jason P.

15 Apr 2025

Hassle free

“Helen, Sharny and the loans.com.au team have been excellent to work with. Jason and I have never had such good communication with a bank. The whole loans process from start to finish has been hassle free and having the onTrack app makes keeping track of where you are in the process, easy. Would definitely recommend.„

Sally C.

14 Apr 2025

Good service

“Very good rates and good service„

Jitendra G.

09 Apr 2025

Each experience has been smooth and reliable

“Friendly staff with a highly professional approach to the finance industry. I would highly recommend working with the team at loans.com.au. This is my third time using their services, and each experience has been smooth and reliable.„

Kevin W.

08 Apr 2025

Incredibly helpful throughout the process

“Sharon and Team at loans.com were amazing. She was happy to answer and explain all my questions thoroughly. Every interaction with Sharon and the Team was supportive, willing to listen and provide help when needed. Will definitely recommend Loans.com especially working with Sharon and Lee Li.„

Aman P.

01 Apr 2025

Our Google rating

4.5 487 reviews

As seen on...

It's fast & easy to get a loan with loans.com.au

Apply online

Simply fill out your loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

Speak to a specialist

You will then have a phone appointment with one of our lending specialists to finalise your application, and help you progress through the loan approval process through to settlement as quickly as possible.

Upload documents (OnTrack)

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

Settle

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

Rates

Repayment Type

Principal & Interest

Maximum LVR of 70%

Product	Interest rate from	Comparison rate
SMSF Commercial 70	7.44% p.a.^	-

Maximum LVR of 80%

Product	Interest rate from	Comparison rate
SMSF Commercial 80	7.74% p.a.^	-
SMSF Commercial 80 (Fixed 2 Years)	8.14% p.a.^	-
SMSF Commercial 80 (Fixed 3 Years)	8.14% p.a.^	-
SMSF Commercial 80 (Fixed 5 Years)	8.34% p.a.^	-

Key Features

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

Fees

Application fee	$0
Ongoing fees	$0
Security assessment fee	$230
Government fees	At cost
Settlement fee	$0
Optional rate lock fee	$350*^

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

Loan interest rate

Annual rental income

Annual salary

Annual salary sacrifice

Based on the data you have supplied, we estimate you can borrow

$248,454

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

7.44%p.a.

-%p.a.

Do I Qualify?

See loan details

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.

Calculator assumptions

Frequently asked questions

Can I buy a commercial property in my self-managed super fund?

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.

Can my business rent a commercial property owned by my SMSF?

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.

Can my SMSF borrow money to buy a commercial property?

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).

Can I transfer a commercial property I own into my SMSF?

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.

What is a Limited Recourse Borrowing Arrangement (LBRA)?

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.

Can I renovate a commercial property owned by an SMSF?

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.

May I sublet part of a commercial property owned by my SMSF?

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.