SMSF loans
SMSF loans for commercial property.
Buy commercial property through your self-managed super fund, with lending compared across specialist SMSF lenders and coordinated with your accountant and adviser.
SMSF loans in short
An SMSF loan lets an eligible self-managed super fund borrow under a limited recourse borrowing arrangement to buy property. Since 10 August 2026, new LRBAs can no longer be used for residential property, but commercial property is unaffected. MKS Lending compares SMSF commercial lenders and works with your accountant and adviser.
Important: SMSF residential property rules changed on 10 August 2026
Since 10 August 2026, self-managed super funds can no longer enter a new limited recourse borrowing arrangement (LRBA) to buy residential property. Borrowing to buy commercial property is unaffected. Residential LRBAs set up before 10 August 2026 continue under their existing terms. If your fund already has a residential LRBA, speak with your accountant or SMSF adviser before making any changes to it.
How SMSF loans work
Commercial property through your super fund.
An SMSF loan lets an eligible self-managed super fund borrow to buy an investment property under a limited recourse borrowing arrangement (LRBA). The property is held in a separate bare trust, and the lender's recourse is generally limited to that property if the loan is not repaid.
A common example is a business owner whose SMSF buys the commercial premises the business operates from, with the business paying market rent to the fund. Done well, it can be an effective long-term strategy. Done poorly, it can create compliance problems, which is why we work alongside your accountant, SMSF adviser and solicitor.
As mortgage brokers we help you compare lending options and explain the borrowing process. We do not provide financial, legal or taxation advice, and recommend you get independent professional advice before borrowing through your SMSF.
What we can help with
SMSF lending solutions.
Commercial property purchases
Offices, warehouses, factories, retail and other commercial premises, including your own business premises.
Refinancing SMSF commercial loans
Comparing lenders that offer SMSF commercial refinancing.
Existing SMSF lending
Reviewing an existing arrangement with your accountant before any change is made.
Lender requirements
Explaining deposit, liquidity and documentation requirements, which vary by lender.
Our SMSF loan process
Prepared properly from the outset.
Initial consultation
We discuss your goals and fund structure, and speak with your accountant and adviser.
Eligibility review
We check your fund against lenders that offer SMSF commercial loans.
Recommendation and application
We explain the options and help prepare the application.
Approval and settlement
We manage communication with the lender through to settlement.
Already have an SMSF loan on a residential property?
You still have the option to refinance it for a better rate. This generally needs to be a dollar-for-dollar refinance, so lenders will not let you refinance an SMSF loan and add a cash-out component or increase the amount borrowed. We can compare lenders that refinance existing SMSF residential loans and check whether a switch is worth it.
Business lending, handled by people who speak your language
Our team has arranged business, commercial and development finance since 1985, often working directly with your accountant and solicitor so the loan supports the bigger plan.
Free loan review
Talk about SMSF lending
Tell us a little about your plans. A broker will call you, usually within one business day, to talk through your options. No cost and no obligation.
We listen first
A short chat about your goals, income and timing.
We compare 50+ lenders
30+ banks and 20+ private lenders, not just one bank's products.
You decide
We explain the options in plain English. There is no pressure to proceed.
Questions
Frequently asked questions
Can my SMSF still borrow to buy residential property?
Not under a new arrangement. Since 10 August 2026, SMSFs cannot enter a new LRBA to buy residential property. Residential LRBAs entered into before that date continue under their existing terms.
Can my SMSF borrow to buy commercial property?
Yes. Borrowing through an LRBA to buy commercial property is unaffected by the August 2026 change, subject to superannuation law and lender criteria.
Can my business rent the property from my SMSF?
Generally, an SMSF can lease business real property to a related party at market rent on proper terms. Your accountant or SMSF adviser should confirm the arrangement is compliant.
What is a limited recourse borrowing arrangement?
An LRBA is the legal structure an SMSF uses to borrow to buy a single asset. The asset is held in a separate trust, and the lender's rights are generally limited to that asset if the loan defaults.
Do all lenders offer SMSF loans?
No. SMSF lending is specialised and only some lenders offer it, with different deposit, liquidity and documentation requirements. We compare those that do.
Do I need an accountant or adviser?
Yes, we strongly recommend it. SMSF borrowing involves legal, tax and superannuation rules. We work alongside your advisers to coordinate the lending.
Can I refinance an existing SMSF residential property loan?
Yes. If your fund already has a residential property loan, you can still refinance it for a better rate. It generally needs to be a dollar-for-dollar refinance, so lenders will not allow a cash-out component or a higher loan amount.
Ready for a better home loan?
Book a free, no-obligation loan review. We compare the market and show you exactly what is possible.