home
Empowering Your Future with Strategic SMSF Lending Solutions

Commercial SMSF Loans

Are you looking to enhance your retirement savings through strategic property investments? Our brokers specialise in guiding SMSF trustees through tailored financing solutions that align with both fund objectives and regulatory requirements, ensuring that you achieve your financial aspirations with confidence and clarity.

Why Choose SMSF Loans for Commercial Property?

Investing in commercial property through your SMSF offers a range of potential benefits, including:

  • Asset Diversification Adding commercial property to your SMSF diversifies your portfolio, potentially reducing risk and enhancing your returns over the long term.
  • Tax Efficiency SMSF investments benefit from concessional tax rates, allowing rental income to be taxed at just 15%, and potentially as low as zero in the pension phase.
  • Rental Income and Capital Growth Commercial properties often provide reliable rental income, and you benefit from any capital appreciation in the long term, building a strong financial foundation for retirement.
  • Control and Flexibility As an SMSF trustee, you have control over your investment decisions, allowing you to choose properties that align with your goals.

Understanding SMSF Lending Regulations

SMSF loans must be structured according to strict lending regulations under the Superannuation Industry (Supervision) Act 1993 (SIS Act). The loan must be a limited recourse borrowing arrangement (LRBA), ensuring that, in the event of a default, the lenders recourse is limited to the property being financed. This unique requirement safeguards other assets within your SMSF.

Our experienced brokers are well-versed in these rules and will guide you through the entire process, ensuring full compliance and peace of mind.

home

How We Help

Our team works closely with you, addressing every detail to ensure compliance and maximize benefits for your SMSF. Our service offerings include:

icon
Initial Consultation

We begin by reviewing your financial situation and goals, helping you understand how much you may be able to borrow and what repayment options are manageable.

icon
Personalized Loan Structuring

We meet with you to understand your investment goals and SMSF structure.

icon
Lender Comparison

We work with multiple lenders to find competitive loan products and negotiate terms tailored to your needs.

icon
Approval and Settlement

Our team assists with documentation, liaising with solicitors and lenders to ensure a smooth settlement process.

icon
Ongoing Support and Refinancing Options

We’re committed to supporting your SMSF’s growth. Should market conditions or your goals shift, we’re here with refinancing options to keep you on track.

Get Started with Confidence

Investing in commercial property through your SMSF is a powerful strategy, but it’s essential to work with experienced professionals. We are committed to simplifying the lending process and ensuring transparency every step of the way.