Your Self-Managed Super Fund can borrow to buy your commercial premises — so the rent you already pay builds your retirement wealth instead of a landlord's. Competitive rates, a specialist SMSF lender panel, and expert guidance structured for Australian business owners.
Many Australian business owners don't realise their Self-Managed Super Fund can borrow to invest in property. With the right structure, your SMSF can buy the very premises your business trades from — so your rent builds your retirement wealth instead of a landlord's. It's one of the most tax-effective property strategies available to SMEs, and it starts with a conversation.
Rental income inside an SMSF is taxed at up to 15% — and potentially 0% once the fund is in pension phase.
Your SMSF can buy your commercial premises and lease it back to your business at market rates.
The LRBA structure limits the lender's recourse to the property purchased — your other fund assets are quarantined.
An SMSF property loan — formally a Limited Recourse Borrowing Arrangement (LRBA) — lets your Self-Managed Super Fund borrow to buy an investment property it couldn't otherwise afford outright. In three steps:
Your fund selects an eligible commercial investment property — often the premises your own business trades from — that meets the sole-purpose test.
A bare trust holds the property while your SMSF borrows the balance — the lender's recourse is limited to that one asset.
Rental income and super contributions service the loan. Once repaid, the title transfers fully to your SMSF.
SMSF lending is powerful but tightly regulated. The property must be held solely to provide retirement benefits and the arrangement must fit your fund's investment strategy. Commercial (business real property) can be leased to your own business at market rates, which is why it's the go-to strategy for SME owners. We help you understand the structure and connect you with SMSF-specialist lenders — but this is general information, not financial, tax or legal advice.
We review your SMSF structure, fund balance and property goals.
Compliance check and borrowing capacity calculated for your fund.
We compare SMSF-specialist lenders for the best rate and terms.
Pre-approval issued after your documents are submitted and assessed.
Bare trust established, contracts exchanged, property settled.
“SMSF lending lives and dies on structure. Get the trust, the strategy and the lender right up front, and the rest is straightforward.” — Pooja, Probiz Finance
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CBD and suburban commercial premises — including the space your own business trades from.
Clinics, consulting rooms and professional suites — a popular fit for healthcare and services SMEs.
Factories, warehouses and storage facilities — popular with trades and manufacturing SMEs.
High-street and shopping-centre retail tenancies suited to SMSF investment portfolios.
Cafés, restaurants, childcare and other business real property assessed on their commercial use.
Some funds qualify for select development finance — subject to strict SMSF rules.
SMSF-specialist lender pricing — indicative only, current as at April 2026. Actual commercial SMSF rates depend on the lender, LVR, property type and your fund's profile. We compare our full lender panel to find the right fit for your fund.
| Rate type | SMSF 70 (max LVR 70%) | SMSF 80 (max LVR 80%) |
|---|---|---|
| Variable rate | 6.99% | 7.24% |
| Fixed — 2 years | 7.34% | 7.34% |
| Fixed — 3 years | 7.44% | 7.44% |
| Fixed — 5 years | 7.84% | 7.84% |
| Max loan amount | $2,000,000 | $1,500,000 |
| Min loan amount | $50,000 | $50,000 |
| Max loan term | 30 years | 30 years |
| Liquidity benchmark | 5% | 5% |
Rates are indicative only and current as at April 2026. Actual rates depend on the lender, LVR, property type, fund profile and current market conditions, and are subject to lender assessment and SMSF compliance. Commercial SMSF rates may differ from the indicative figures shown. Comparison rates and full terms are provided in writing before you commit. This is general information, not financial, tax or legal advice.
SMSF lending has stricter criteria than a standard loan, but for a well-structured fund with a compliant investment strategy, the path is well-trodden. We assess your situation in detail during your free consultation.
Check my eligibility free →Criteria vary by lender and are subject to assessment and SMSF compliance. Eligibility above is a general guide, not a credit decision or financial advice.
Before founding Probiz, Pooja spent years inside NAB and ANZ, assessing business and property lending from the credit side of the table. SMSF loans are approved on fund structure, serviceability and lender appetite — and she knows what a lender actually needs to see. We're a broker, not a lender: we compare Australia's SMSF-specialist providers and package your application for the best outcome, rather than sending you to a single bank.
Probiz walked us through buying our business premises inside our SMSF. Clear, patient and no jargon — our rent now builds our super...
We recently had the pleasure of working with Probiz Finance and could not be more satisfied with the experience...
I've relied on Probiz Finance for my business lending needs for quite some time now, and every experience has been...
Yes — this is one of the most popular SMSF strategies for Australian SMEs. Your fund can purchase eligible commercial premises and lease them to your business at market rates, so your rent builds your retirement balance. Commercial property is an exception to the related-party acquisition rules under the SIS Act, provided it's genuinely business real property.
Most lenders look for a minimum fund balance (often around $200,000, but it varies), plus enough contributions or rental income to comfortably service the loan. We assess your fund's serviceability during your free consultation and match you to a suitable SMSF-specialist lender.
Under superannuation law, an SMSF can't directly own a property bought with borrowed money. A bare trust (or holding trust) holds the property on the fund's behalf while the loan is outstanding. Once the loan is fully repaid, the title transfers to the SMSF. We coordinate the bare trust set-up as part of the process.
While the LRBA loan is in place you can maintain and repair the property but not fundamentally improve or change its character. Once the loan is repaid and the title sits with the SMSF, improvements are generally possible. Because these rules are strict, we recommend specific legal and tax advice for your situation.
Indicative SMSF rates currently start from around 6.99% p.a. through our SMSF-specialist lenders, with variable and fixed options across 2, 3 and 5 years. Commercial SMSF pricing depends on the lender, LVR, property type and your fund's profile. All rates are indicative only and confirmed in writing before you commit.
Indicative pre-approval can often be provided within a few days once your fund documents are in order, with settlement following after the bare trust and contracts are finalised. Timeframes are indicative and depend on the lender, the property and how complete your SMSF documentation is.
Typically your SMSF trust deed, investment strategy, recent fund financials and member statements, bank statements, ID and details of the property. Commercial applications may need lease information. We guide you through exactly what's required for your specific application.
No obligation. Tell us about your fund and the property you have in mind, and we'll come back within one business day with a read on how SMSF lenders would see it.
No cost, no obligation, no cookie-cutter advice — just a real conversation about whether an SMSF property loan is right for your fund. Book a strategy session with Pooja.
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