SMSF Loan
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SMSF
Self-Managed Super Funds (SMSFs) follow a foundational concept akin to other superannuation funds. You contribute to your fund throughout your working life, which is then strategically invested to build wealth for your post-work years.
Thinking of setting up a new SMSF? With guidance from your accountant or financial adviser, you can establish an SMSF and, if eligible, apply for an SMSF loan to purchase qualifying commercial property. You’ll need evidence of your existing superannuation balance and support from your accountant or financial adviser to establish and fund the SMSF.
From 10 August 2026, SMSFs can use eligible borrowing arrangements to purchase commercial property only, subject to superannuation legislation, ATO requirements and lender criteria. Residential property purchases through an SMSF are no longer permitted under the updated rules.
- The commercial property must comply with SMSF and ATO requirements and, where applicable, be leased on commercial terms at market rent.
- The investment must comply with superannuation regulations and lender requirements. Property development or non-compliant investment activities may not be permitted.
- The investment must satisfy the Australian Taxation Office’s (ATO) Sole Purpose Test, meaning it must be held solely to provide retirement benefits for fund members.
- Commercial property transactions must comply with superannuation legislation. An SMSF may lease eligible commercial property to a member’s business where permitted under the rules and where the lease is conducted on arm’s length terms at market rent.
- When purchasing commercial property through an SMSF, lender requirements apply. Each purchase contract generally relates to a single property title, and lending structures must meet the lender’s SMSF borrowing requirements.
If you are considering purchasing eligible commercial property through an SMSF or would like to understand the updated borrowing rules effective from 10 August 2026, our team can help you explore your finance options and guide you through the lending process.
Start Your SMSF Commercial Property Journey with Confidence.
Speak with an SMSF loan specialist about financing eligible commercial property under the updated borrowing rules.
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