Build Your Retirement Portfolio with Commercial Property

Diversify your Self-Managed Super Fund's assets by investing in commercial real estate. A Commercial SMSF Loan empowers your fund to purchase commercial property without needing the full cash upfront. At Finco Capital, our specialists expertly navigate the complexities of these loans, securing financing through our panel of trusted lenders to support your retirement wealth growth.

This strategy enables your SMSF to benefit from potential rental income and capital appreciation within the tax-advantaged superannuation environment. We guide you meticulously through the entire process—from ensuring your SMSF trust deed permits borrowing, through to settlement—with strict compliance at the forefront.

At a Glance

Loan Purpose: Purchase commercial property for your SMSF
Loan Amounts: $100,000 to $4,000,000¹
Maximum LVR: Up to 80% of property value^#
Repayment Types: Principal & Interest and Interest-Only² options
Suitable For: SMSFs purchasing commercial properties, including owner-occupied properties by related businesses

Explore Commercial SMSF Strategies Speak to a Commercial SMSF Specialist

Common Questions

What is the minimum loan amount?

Typically starts at $100,000, varying by lender.

How do Commercial SMSF loan rates compare?

Rates differ from residential loans and depend on lender assessments and LVR. We secure competitive financing tailored to your SMSF's needs.

What properties qualify for Commercial SMSF loans?

Commercial properties satisfying the 'sole purpose test' for retirement benefits—offices, retail spaces, warehouses, industrial units—and those occupied by related businesses.

What are typical LVRs and loan terms?

LVRs generally up to 80%, subject to property type. Loan terms are aligned with commercial lease durations and your fund's investment strategy.

What fees apply?

Standard government and valuation fees apply, alongside:

• Application Fee (from $795)
• SMSF Review Fee ($695 for existing funds)
• Establishment Fee (from 1.00% of loan amount)⁵

Discuss all fees with your adviser for transparency.

How long does the process take?

Due to SMSF and commercial property complexities, expect 4 to 8 weeks from application to settlement; our expertise streamlines this timeframe.

The Finco Capital Advantage

Dual Expertise: In-depth knowledge of commercial valuations and SMSF borrowing rules (LRBAs).
Specialist Lender Access: Collaborations with lenders offering Commercial SMSF products aligned with your fund's strategy.
Comprehensive Guidance: Support from initial strategy and lender selection through to compliant loan settlement.

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Disclaimer

Information is general and not personalised advice. Consult qualified SMSF and tax advisors before proceeding. Lending criteria, terms, and fees apply.

^# LVR limits vary with property type; rates depend on assessment and LVR.
¹ Subject to LVR restrictions.
² Interest-only rates may exceed advertised rates.
⁵ Establishment Fee is loan-percent based with minimums—contact us for details.
All loans require lender credit approval and fees apply.