SMSF Commercial Loan
Unlock the potential of your SMSF with a competitive rate on commercial property loans.
SMSF Commercial 70
-
Available for purchase or refinance -
No monthly, ongoing, or settlement fees
-
Unlimited additional repayments**
-
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
Who is loans.com.au?
Established in 2011, loans.com.au is one of Australia's first online lenders offering great value and award-winning car and home loans. Part of the Firstmac Group, Australia’s leading non-bank lender, we’re backed by four decades of expertise. Our Brisbane-based lending specialists have helped thousands of customers make confident decisions and save on their home and car buying journeys.
A self managed super fund loan that looks just like this
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. 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. 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. 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.
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.
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.
Properties we can help finance through your SMSF
Thinking of buying property with your super? We’ll help you understand which homes, units, or commercial spaces your SMSF can finance without the confusion.
Residential
(Purchase or refinance)
Commercial
(Purchase or refinance)
Our home 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
Review and sign your mortgage documents and loan agreement via onTrack.
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.
Meet the team behind Australia's Home of Loans
We have a friendly team of Australian-based lending experts here to help you from application to settlement, so you can get a better loan and start savings thousands.
Steven
Customer reviews
Our Google Rating
Kathryn
Lending Specialist
Talk with a real person about our SMSF loans.
As an experienced lending specialist, Sarah and our team can answer all your questions to get you on track.