SMSF Property Loans
in Geelong & Surf Coast
Using a Self-Managed Super Fund (SMSF) to purchase business premises is very different from a standard investment property loan.
For many business owners, the property sits within a broader financial structure, your business operates from the premises while your super fund owns the property. Because of this, the lending arrangement needs to be carefully coordinated with your accountant, financial adviser and solicitor from the beginning.
I assist clients by arranging and managing the lending component of commercial property purchases through an SMSF, ensuring the lender requirements align with the structure your advisers have established.
SMSF property loans are assessed differently to personal borrowing. The lender evaluates the super fund and the property, rather than your individual PAYG income.
They typically consider:
fund balance and contribution history
rental income from the business tenant
fund expenses and liabilities
trustee and entity structure
Only certain lenders offer SMSF commercial property loans, and each has specific policy requirements. Matching the application to an appropriate lender is a key part of the approval process.
These arrangements can intersect with personal lending, business finance and future succession planning, which makes coordination between advisers particularly important. Lending structures, fund liquidity and ongoing obligations are commonly reviewed as part of this broader context.
How SMSF Lending Works
Understanding the Lending Requirements
SMSF lending is subject to specific lender policies and regulatory requirements, including limited recourse borrowing arrangements. Not all properties, fund structures or income profiles are acceptable to all lenders, and lending terms may differ materially from standard commercial property finance.
Because of this, the lending requirements are usually reviewed carefully before any application proceeds. Early discussions help confirm whether the proposed purchase is likely to meet lender criteria.
I liaise with lenders, outline documentation requirements and coordinate the application process so expectations are clear before a contract is signed.
Why Work With Me
Business owners don’t need another application form. They need clarity.
I specialise in complex income lending and work directly with your accountant to present your financial position properly. I also recommend lenders based on policy, not just rates, so the application fits your situation from the start.
I explain the options clearly so you understand what you’re committing to before you sign anything.
Thinking About Purchasing Business Premises Through Super?
If you're considering buying your business premises through an SMSF, it’s worth confirming lender requirements early rather than after a contract is signed.
We can talk through your situation, what lenders are likely to assess, and whether the proposed structure is workable from a lending perspective.