Use Your Super to Buy Your Own Business Premises
Paying rent to a third-party commercial landlord is money leaving your business that you will never see again. By acquiring your business real property inside a Self-Managed Super Fund (SMSF), your operating business pays market rent directly to your fund. You convert an ongoing business expense into long-term, tax-advantaged wealth.
Operating Business
( Trading Entity Tenant )
Rental Income
( Deductible Expense )
Long-term Equity
Your SMSF Asset
( Commercial Property )
Why Buying Commercial Property with Your Super Makes Sense Right Now
If you’ve heard that using your super to buy property has become too difficult, that’s usually only true for residential housing. Commercial real estate is a completely different story.
Australian super laws still fully support business owners buying their own commercial premises using a Self-Managed Super Fund (SMSF). While banks have pulled back on residential SMSF loans, they’re actively looking to lend for commercial properties. That means instead of paying rent to a landlord every month, you can use your super to buy your own workshop or office and pay rent back to your own retirement fund.
High-LVR Framework & Low-Doc Fast-Track
We eliminate the slow approvals and standard major-bank friction. Our lending matrix offers high Leverage-to-Value Ratios (LVR) alongside Low-Doc underwriting tailored specifically for self-employed directors.
Max LVR (Commercial)
Standard SMSF Lending :
65% - 70%
Commercial SMSF
Loan Framework
Up to
75% LVR
Income
Verification
Standard SMSF Lending :
2 Years Full Tax Returns
Commercial SMSF
Loan Framework
Low-Doc
Options
Liquidity Requirements
Standard SMSF Lending : Strict post-settlement buffers (15%+)
Commercial SMSF
Loan Framework
Flexible
Liquidity Caps
Max Loan
Amount
Standard SMSF Lending :
$1.5M cap
Commercial SMSF
Loan Framework
Up to
$4,000,000+
Max LVR (Commercial)
Standard SMSF Lending :
Principal & Interest only
Commercial SMSF
Loan Framework
P&I and Interest-Only
(Up to 5 Years)
Max LVR (Commercial)
Standard SMSF Lending :
Required
Commercial SMSF
Loan Framework
100% Owner-Occupied via Business Lease Allowed
Flexible Loans Built Around How You Run Your Business
Every business is set up differently. Whether you operate through a company structure, a unit trust, or as a sole trader, our commercial SMSF loans are built to fit your specific setup, not force you into a rigid box.
Bare / Holding Trust
( Legal Tittle Holder during term of the LRBA loan )
Commerical SMSF Lender ( Mortgage )
Schedule of Loan Terms
Maximum LVR
Commercial warehouses, retail units, offices, and medical suites.
Up to 75%
Loan Amounts
Larger limits available via bespoke review.
$100K – $4M
Low-Doc & Alt-Doc Approval
Service the loan using projected lease payments from your trading business, backed by 12 months of BAS or an Accountant's Declaration.
BAS or Declaration
Interest-Only Terms
Preserve cash flow during growth phases.
Up to 5 years
Loan Terms
Flexible terms structured around your investment horizon.
Up to 30 years
Repayment Frequency
Intervals linked to your business cash flow cycles.
Weekly / Fortnightly / Monthly
Why Use Your Super to Buy Your Business Premises?
Stop worrying about landlord lease renewals or sudden rent spikes. Owning your building means you decide how long you stay and how you run the space.
Your business pays rent directly to your super fund. That means rent is tax-deductible for the business, while rental income inside your super is capped at a low 15% tax rate. Plus, capital gains tax can drop to 0% once you retire.
Property held inside an SMSF is generally protected from business liabilities and personal risks. That helps keep your real estate safe if your trading company hits a rough patch.
How the Purchase Process Works
Step
01
Check Your Super Set-Up
Confirm that your super fund’s trust deed allows for property borrowing and that commercial real estate fits your fund’s investment plan.
Step
02
Get Pre-Approved & Set Up Your Holding Structure
Secure loan pre-approval through our standard or low-doc pathways. Your solicitor or accountant will then set up the required Bare Trust and Corporate Custodian before you sign any contracts.
Step
03
Sign the Contract Correctly
Find your property and ensure the contract of sale is signed using the exact legal name of your new Bare Trust custodian.
Step
04
Valuation & Loan Settlement
We arrange an independent valuation of the commercial property, finalise your loan, and settle the purchase so your super fund takes ownership.
Step
05
Put the Lease Agreement in Place
Draw up an arm’s length commercial lease between your business and your super fund at fair market rent, so your trading company can legally move in and start paying rent to your fund.
Frequently Asked Questions (FAQs)
- 01
- 02
- 03
- 04
- 05
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