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Commercial Property Loans via SMSF

Build Wealth & Secure Your Retirement—With the Power of SMSF

Thinking of investing in commercial property through your SMSF? We help business owners and investors utilise their superannuation to create long-term financial security by owning commercial premises through their SMSF

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Gold Finance – Best Mortgage Broker in AustraliaSMSF (Commercial)

Why Choose SMSF for Commercial Property?

Self-Managed Super Funds (SMSFs) give you full control over your retirement investments—including the ability to purchase commercial real estate. This is a popular strategy in Australia, especially for business owners who wish to own their workspace and direct rent back into their super fund.

 

Retain Control Over Investments

With SMSF, you’re the decision-maker—giving you flexibility in choosing where and how your retirement savings are invested.

Grow Your Super Through Rental Income

Leasing the commercial property to your own business allows rent payments to go directly into your SMSF—boosting your retirement savings.

Tax Advantages

SMSF structures may offer concessional tax treatments on rental income and capital gains, subject to regulations and compliance.

Borrowing Options Available

If your SMSF doesn’t have enough funds to purchase the property outright, it can access a Limited Recourse Borrowing Arrangement (LRBA) to finance the investment.

Commercial Property Loans via SMSF

Features of SMSF -Commercial Loan

Owning commercial property within your Self-Managed Super Fund (SMSF) offers a powerful dual benefit—capital growth through real estate investment and long-term wealth accumulation within your superannuation.

By purchasing property through your SMSF, you can take advantage of rental income and potential property value appreciation while also benefiting from the tax advantages and compounding growth of your super fund. This strategy not only diversifies your retirement portfolio but also puts your super to work in a tangible, income-generating asset. It's a smart way to align property investment with retirement planning, all under a compliant and structured framework.

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1

Choose the property, manage leases, and tailor the investment to your strategy—all within your SMSF.

2

Choose the property, manage leases, and tailor the investment to your strategy—all within your SMSF.

3

Access finance through your SMSF while protecting other fund assets—only the property is at risk.

4

Enjoy steady rental income, long-term capital appreciation, and structures tailored to your retirement goals.

Frequently Asked Questions (FAQ)

  • Yes, provided the lease is at arm’s length and at market value, your business can pay rent to the SMSF—enhancing super savings.

  • A Limited Recourse Borrowing Arrangement allows SMSFs to borrow for purchasing property. The lender's claim is limited to the asset bought—other SMSF assets are protected.

  • Generally, residential properties cannot be lived in by members or related parties. Commercial property, however, can be leased to a related party if structured properly.

  • As with any investment, market risk and compliance risks exist. Our team ensures your investment remains compliant and strategically sound.

  • We specialise in structuring SMSF loans, securing LRBA funding, and guiding you through every step—from fund setup to property acquisition.

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Work Proccess

4 clear and concise steps for using an SMSF to invest in commercial property

1

Set Up & Strategise

Establish your SMSF and define investment goals aligned with your retirement objectives.

2

Find the Right Property

Select a compliant commercial property and assess funding—either via SMSF savings or an LRBA loan.

3

Formalise Lease & Secure Finance

If leasing to your business, set up a market-rate lease. Finalise lending with SMSF-specialist lenders.

4

Settle & Grow Your Fund

Complete the purchase and start earning rental income directly into your SMSF for long-term wealth building.

10 years of working experience

Gold Finance – Best Mortgage Broker in AustraliaSMSF (Commercial)

Why Choose Us?

  • Expert Knowledge:

Our team specializes in helping homebuyers secure tailored loan solutions.

  • Full-Service Support:

From initial consultation to settlement, we are with you every step.

  • Personalized Strategies:

We craft solutions that align with your financial goals.

  • Smart Savings:

Our streamlined processes and expert insights help you save time and money.

Gold Finance Group
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David Reid
23:42 10 Apr 25
The Gold Finance team were friendly, helpful and made the process less stressful. I highly recomend them to anyone looking for a broker.
Renante Ampatin
10:22 19 Mar 25
I highly recommend gold finance group for smooth and fastest approval process for my home loan. Thank you Josh & Ash for the help and your hard work.
hannah yeboah
10:08 19 Mar 25
From start to finish I felt that my needs and concerns were heard. Josh was very professional and understanding at the same time. I will definitely refer my family and friends to the company
tetsuya suzuki
07:12 25 Nov 24
Got me a great home loan and refinancing, will definitely return for next property
Ethan Blankanette
10:31 09 Nov 24
Gold Finance Group were unreal ! Ash and Josh were very assertive and supportive from the start. As a first time young investor/home buyer not only did they assist me through the whole process but they mentored me through it all too. Ash and Josh always took their time to discuss best options and never gave up to get the best loan rates. Always had frequent zoom calls with updates when face to face meetings wasn't possible due to busy work schedules, Professional advice, proactive planning and a brilliant attitude. I highly recommend them and look forward to using them again in the future !
Kim ho
05:24 24 Oct 24
Friendly and helpful. Quick response
Anuj
00:57 26 Sep 24
I had a fantastic experience with Gold Finance Group for my home loan. The team was incredibly professional and was clear from the start. Ash made the entire process smooth and hassle-free. I would highly recommend their services to anyone looking for reliable financial guidance. Plus, their customer service was excellent—quick responses and always willing to answer any questions.
Davis Osei
09:59 23 Sep 24
I am very much satisfied with Gold Finance Group. I highly recommend their services to anyone looking for home, investment or commercial loans. The managers take their time to listen, offer you lots of options and assist you in decision making. I’m extremely satisfied with the results and recommend them to anyone looking to secure their financial future
Prince Acheampong` Opoku
00:12 23 Sep 24
We had a great experience with Gold Finance Group. Josh provided exceptional customer service, stepping us through the entire process and was readily available to answer all our questions. Josh secured us a good mortgage rate with a reputable bank and made the process easy. From our initial loan enquiry, right through to settlement of our new property, Josh and his team were outstanding. I highly recommend their services. We would definitely use Mortgage Brokers Melbourne for future financial services 100/100.
Portia Opoku Boadi
23:36 22 Sep 24
Gold Finance Group has been instrumental in helping me move closer to my dream of owning a home. Their commitment to assisting everyday Australians achieve property ownership and financial freedom is clear in everything they do. The team is professional, patient, and always willing to go the extra mile to ensure that you understand the process and had the best options available. Thanks to them, I feel more confident about my financial future. I highly recommend their services to anyone looking for reliable financial guidance!

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