Commercial Loans
Commercial SMSF Loan
Using a self-managed super fund to acquire commercial property — with strict rules that must be followed precisely.
An SMSF can borrow to acquire commercial property through a limited recourse borrowing arrangement (LRBA). The property is held in a separate bare trust, the lender's recourse is limited to that asset, and the fund's other assets are protected if something goes wrong.
The rules around this are strict. The property must be a single acquirable asset, it generally cannot be improved with borrowed funds, and the fund must be compliant with its investment strategy and the sole purpose test. Getting the structure wrong is expensive to unwind.
We coordinate with your accountant or financial adviser so the borrowing structure, the bare trust and the fund's investment strategy all line up before we approach a lender. This is one area where specialist advice up front saves significant cost later.
What we look after for you
Coordinating with your accountant on structure and compliance
Sourcing lenders who write SMSF commercial facilities
Managing the bare trust and documentation requirements
Coordinating valuation, approval and settlement
Talk to a broker about this
Every situation is different. Tell us what you're trying to do and we'll come back with a straight answer — free, and with no obligation.