Services · SMSF Commercial
Commercial property inside your super.
Business real property through an SMSF is still very much open, and it is the kind of lending most brokers avoid.
Residential SMSF lending has closed. Commercial has not.
From 10 August 2026, lenders stopped writing new SMSF loans against residential property. Business real property is a different thing entirely and it is still available, which most people don't realise.
In practice that usually means buying the premises your business already operates from: a warehouse, a workshop, a consulting suite. Your fund owns the building, your business pays it rent at market rate, and the rent builds your super instead of someone else's.
The rules are strict and the lender panel for it is short. I know which ones will look at it and how the structure has to be set up. If it doesn't stack up for you I'll say so early rather than waste your time.
What commercial SMSF lending can do
Your rent, into your own fund.
- Buy the premises your business already trades from, inside your fund.
- Your business pays rent to your super rather than to a landlord.
- Keep an asset you control on your own fund's balance sheet.
Talk through a commercial SMSF purchase.
Book a 15-minute chat with Victor. No obligation, no fees, plain English only.