A step-by-step guide for using your Self-Managed Super Fund (SMSF) to purchase commercial property

As a specialised commercial finance brokerage, we receive enquiries regularly from existing and new clients wanting to secure finance utilising their SMSF. It’s a right royal hot topic at the minute!

Last month’s article, ‘Pros vs Cons: Using a Self-Managed Super Fund (SMSF) to purchase commercial property’, aimed to provide an insight into the potential advantages and disadvantages.

I’ll be straight up with you, is the process easy? NO. Is borrowing funds via your SMSF a good idea? That is completely dependent on your individual business situation and goals – it could very well be, but you need to be sure you have a full range of options to consider, which is where SMSF specialists (in a variety of fields) will be invaluable.

When it comes to securing successful finance it’s important to note that while there are some lenders who are receptive to lending for SMSF, there are many that just don’t do it. 

Each bank or lender will also have different lending criteria (for example some may only lend for owner occupier purposes, others will lend to investors). Additionally, it’s fair to say you could be looking at an additional 1 -1.5% in costs over a traditional loan. Yes, there are tax concessions but again, you need to weigh these up carefully.


The Process

Once you’ve spoken to your accountant and/or financial advisor and are confident the advantages outweigh the disadvantages based on your situation, the following steps will need to follow:


Investing in commercial property through an SMSF requires careful consideration, understanding of the associated risks, and compliance with legal requirements. 

Seeking advice from experienced SMSF professionals such as accountants, financial and tax advisors is paramount to ensure compliance and optimise investment outcomes. Should you require the assistance of proven professionals in these fields please touch base and I’m happy to provide trusted recommendations.


THE FINEPRINT: The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. While all care and attention are taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances.

Green Finance Group Pty Ltd ACN 145 035 221 is authorised under LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192.

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"Pros vs Cons: Using a Self-Managed Super Fund (SMSF) to purchase commercial property"

Meet the Author

"While my extensive industry experience covers all areas of banking, loans and leasing – commercial, equipment and residential – my business finance specialties are the broader hospitality, accommodation and childcare industries."

Daniel Green

  • Commercial Finance, Equipment Finance, Home Finance

Fortitude Valley, Brisbane

Australia's leading hospitality, accommodation and childcare finance specialist and winner of Australian Broker of the Year 2022.

Prior to establishing GFG in 2010, I occupied senior management roles in some of Australia's leading financial institutions including Commonwealth Bank of Australia, Suncorp, Bankwest and Westpac.