SMSF Strategy and Property sourced Australia wide.

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Let’s Talk About Your SMSF Property Strategy

Straightforward answers, real experience, no pressure.

 

Whether you’re exploring your first SMSF property, weighing up residential against commercial or fractional investment, or want a second opinion on a strategy already in motion, we’re happy to have a straightforward conversation about it — no obligation, no bull and in an environment keeping you at ease yet more informed.

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Frequently Asked Questions

Can I buy a commercial property with my SMSF?
Yes. Using a Limited Recourse Borrowing Arrangement (LRBA), a self‑managed super fund can borrow to purchase a commercial (business real) property, provided the fund’s trust deed allows borrowing and the purchase meets the “single acquirable asset” test.

How much can my SMSF borrow for a commercial property loan?
Commercial SMSF loans are typically more conservative than residential ones, with lenders generally requiring a 30–35% deposit (65–70% LVR). The exact amount depends on the fund’s balance, expected rental income and the lender’s servicing requirements.

Can my SMSF lease a commercial property to my own business?
Yes — unlike residential property, an SMSF can lease commercial (business real) property to a related party, including the member’s own business, provided the lease is a formal, arm’s-length agreement at market rent.

What deposit do I need for an SMSF commercial property loan?
Most lenders require a minimum deposit of around 30% of the purchase price for a commercial SMSF loan, though this varies by lender and the fund’s financial position.

What tax benefits apply to SMSF commercial property?
Rental income is generally taxed at 15% in accumulation phase (compared to individual marginal tax rates), a discounted 10% capital gains tax rate can apply after 12 months’ ownership, and both rental income and capital gains can be tax‑free once the fund is in pension phase.