OUR SERVICES / SMSF LOANS

Commercial SMSF Mortgage Broker Online

Name: bluefoxfinance
Address: 32 Rise Place, Upper Kedron QLD 4055, Brisbane, QLD, 4055, AU
Telephone: 07 3496 9570

Using your SMSF to buy business premises? Connect with experienced commercial finance brokers for SMSF to ensure your loan is set up for success.

Commercial Property in an SMSF

Commercial Property Finance in an SMSF has been restricted more than ever in recent years, but there are still competitive and flexible options available. As experienced mortgage brokers for commercial property SMSF loans, we can help you navigate the process and make the right decisions.

Here are a few key points to keep in mind:

We have a really sharp easy commercial refinance option (no affordability calcs, just solid repayment history on the SMSF facility) at RBA + 3.09% at time of writing (Feb 2026).
80% investment purchases are available but only on strong/standard security (RBA + 3.44%).
80% owner-occupied is available i.e. to purchase the premise which your own business operates out of.
Most specialised security requires 70% LVR or lower.
Keep an eye on GST, as it can be applicable if the purchase property is not a going concern. We do have a lender that can provide temporary financing of GST.

A few cool options:

A unit trust can be set up with one or more SMSF as unit holders, letting the SMSF funds be used in conjunction with other funds to make larger purchases.
You can set up a tripartite agreement for your SMSF, as long as it is compliant with Australian superannuation laws. Your commercial SMSF mortgage broker can advise you on the best course of action for your situation.
Using carry-forward and bring-forward contributions, you can usually move $360k–$495k from your individual name or business into your SMSF. Combining these funds with your existing super funds unlocks the ability to purchase much larger and more expensive commercial premises.
You can run your own business out of a commercial property owned by your SMSF. Speak to an experienced mortgage broker for owner-occupied SMSF loans, like Blue Fox Finance, for more information.

Affordability Options for Commercial SMSF:

Simple servicing: we can use 1 or 2 years’ historical contributions into your super (SMSF or Industry/Retail fund) as the income for the loan.
You can instead self-declare up to 20% of your personal gross income (per your most recent NOA) as your future contributions, capped to $30k.
You can have an accountant sign off on future super contributions for your income (up to 22% of verified income). This is useful for self-employed applicants who haven't been making super contributions.
We can do a full servicing position i.e. include all personal debt/income (like a normal affordability calculation) to show affordability within an SMSF, if needed.
We can do low-doc (accountant's letter or 6 months BAS) to verify income outside super, when we need it. There's usually no extra loading for this.

Commercial SMSF LVR Guide

Use the below as a guide only, as the actual property/location are always different, and may be accepted or rejected depending on a number of factors.

80% LVR

Standard Security:

Office
Retail
Industrial
Factories
Warehouse
Mixed Use
Boarding Houses

Generally, 80% LVR will require a preferred postcode for the security.

70% LVR or below

Specialised Security such as:

Child Care Centres
Regional locations
Hospitality (hotel, motel, holiday inn)

Not Available

Construction
Development
NDIS

Unit Trusts With SMSF Unit Holders

Unit trusts are specifically useful when trying to purchase a commercial premise to operate out of with a business partner. If you’re trying to purchase a business premise with someone else, a unit trust can be set up to let each party provide funding in a way favourable to them. This means one party can use their superannuation (set up an SMSF and add them as a unit holder) whilst the other party can use personal or business funds to fund their portion.

Commercial Property SMSF Loans Made Simple

Set your SMSF property investment up for success. Get in touch with Blue Fox Finance today for tailored support in setting up your loan application, as well as access to a range of lenders. Call us on 07 3496 9570 or contact us online!