SMSF Commercial Loan

We can help you grow your commercial property potential through our SMSF loan with a competitive rate.

Rates from^

7.44

% p.a

Our google rating

4.5 476 reviews

Multi-award winning

Book your free consultation with  an SMSF Lending Expert

Property type:

Commercial

Residential

Book My SMSF Consultation

Why choose a self managed super fund loan?

Zero monthly fees

Saving on fees also means more money towards your SMSF goals.

One central hub

Access your SMSF loan via our easy-to-use online app Smart Money.

Unlimited repayments**

Pay off your SMSF loan sooners with unlimited extra repayments.

A win for you.

No application and settlement fee. No monthly or ongoing fees.

SMSF loan eligibility

Arrange a call

“I’d only heard good things about loans.com.au from my clients, so when I saw that you’d started lending for SMSF I didn’t hesitate.”

Peta

Bought first home

What other customers are saying

Good service

“Very good rates and good service„

Jitendra G.

09 Apr 2025

Each experience has been smooth and reliable

“Friendly staff with a highly professional approach to the finance industry. I would highly recommend working with the team at loans.com.au. This is my third time using their services, and each experience has been smooth and reliable.„

Kevin W.

08 Apr 2025

Incredibly helpful throughout the process

“Sharon and Team at loans.com were amazing. She was happy to answer and explain all my questions thoroughly. Every interaction with Sharon and the Team was supportive, willing to listen and provide help when needed. Will definitely recommend Loans.com especially working with Sharon and Lee Li.„

Aman P.

01 Apr 2025

Very helpful, making the process easy

“The staff were very helpful, making the process easy. I was slow at times to respond but they cheerfully dealt with this until I was approved. I am very impressed.„

Kendall H.

01 Apr 2025

Straightforward

“Straightforward, pleasant, very helpful staff.„

Liz M.

30 Mar 2025

Very helpful and understanding

“Tannah was very helpful and understanding. It's been a very smooth process and great communication on their part!„

Billy T.

28 Mar 2025

Very smooth

“Fabulous Team, thank you so much for a very smooth & successful application!„

Maree L.

27 Mar 2025

Lowest interest rates and easy service

“Returning to loans.com.au for lowest interest rates and easy service.„

Kylie H.

14 Mar 2025

Smooth and fast process

“Friendly customer service. Smooth and fast process without any hassle. Had the loan settled within 2 days of providing necessary documents. A big thank you to Cherie and Rena for their kind and prompt assistance„

Surani F.

14 Mar 2025

Great service

“Great people and great service. Went smoothly and swiftly„

Danny K.

02 Mar 2025

Excellent Service & Fast Process!

“I had a fantastic experience with Loans.com.au. Their advisors were friendly, clear, and ensured my application was in top shape before submission, maximizing the chances of approval. I was thrilled that the entire process was completed in just one day, with settlement happening the very next day! Special thanks to Aichi and Liam for their outstanding support. Highly recommend!„

Sai P.

03 Feb 2025

Excellent communication

“Excellent communication that was timely and thoughtful. Thank you to Sharon for her help through this process.„

Bek D.

27 Jan 2025

Our Google rating

4.5 476 reviews

As seen on...

It's fast & easy to get a loan with loans.com.au

Apply online

Simply fill out your loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

Speak to a specialist

You will then have a phone appointment with one of our lending specialists to finalise your application, and help you progress through the loan approval process through to settlement as quickly as possible.

Upload documents (OnTrack)

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

Settle

Your loan will settle, and you’ll enjoy your new loan rate.

A self managed super fund loan that looks just like this

Here’s your new offer with a real low rate

Rates

Principal & interest	Interest Rate:	Max LVR:
SMSF Commercial 70	7.44% p.a.*+	70%
SMSF Commercial 80	7.74% p.a.*+	80%
SMSF Commercial 80 (Fixed 2 Years)	8.14% p.a.*+	80%
SMSF Commercial 80 (Fixed 3 Years)	8.14% p.a.*+	80%
SMSF Commercial 80 (Fixed 5 Years)	8.34% p.a.*+	80%

Key Features	Up to 30 years loan term
	Available for refinance or purchase
	Unlimited additional repayments
	No monthly or ongoing fees
	No settlement fee

Repayments	Frequency	Weekly, monthly or fortnightly
	Estimated repayments	$3,476 per month^# The monthly repayment estimate is based on a $500,000 loan over 30 years at 7.44% p.a. paying principal and interest.

Fees	Application fee	$0
	Ongoing fees	$0
	Security assessment fee	At cost
	Government fees	At cost
	Settlement fee	$0
	Optional rate lock fee	$350*^

Owner Occupier Rates

P&I

SMSF Commercial 70	Interest Rate: 7.44% p.a.^
	Max LVR: 70%

SMSF Commercial 80	Interest Rate: 7.74% p.a.^
	Max LVR: 80%

SMSF Commercial 80 (Fixed 2 Years)	Interest Rate: 8.14% p.a.*+
	Max LVR: 80%

SMSF Commercial 80 (Fixed 3 Years)	Interest Rate: 8.14% p.a.^
	Max LVR: 80%

SMSF Commercial 80 (Fixed 5 Years)	Interest Rate: 8.34% p.a.*+
	Max LVR: 80%

Key features

Up to 30 years loan term
Available for refinance or purchase
Unlimited additional repayments
No monthly or ongoing fees
No settlement fee

Repayments

Frequency	Weekly, monthly or fortnightly
Estimated repayments	per month^# The monthly repayment estimate is based on a $500,000 loan over 30 years at 7.44% p.a. paying principal and interest.

Fees

Application fee	$0
Ongoing fees	$0
Security assessment fee	At cost
Government fees	At cost
Settlement fee	$0
Optional rate lock fee	$350*^

Product Brochure

2024 WeMoney - Best for Value (Refinance)

2024 Mozo - Expert's Choice for Green Home Loan

2022 WeMoney - Outstanding Customer Service

Our home loan products are recognised & awarded by the Australian financial industry

Calculate your SMSF borrowing capacity

Fill out your information, and we can estimate your maximum SMSF borrowing capacity on an investment property.

Your loan details

Loan interest rate

Annual rental income

Annual salary

Annual salary sacrifice

Based on the data you have supplied, we estimate you can borrow

$248,454

SMSF Commercial 70

Investor • Principal & Interest • Up to 70% LVR

Looking for a competitive SMSF commercial loan rate? loans.com.au has some of the most competitive SMSF commercial loan offers in the market.

Interest rate

7.44%p.a.

NA%p.a.

Do I Qualify?

See loan details

Disclaimer:The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Information such as interest rates quoted and default figures used in the assumptions are subject to change.

Calculator assumptions

Frequently asked questions

Can I buy a commercial property in my self-managed super fund?

Yes. Your SMSF can buy any eligible commercial property that satisfies the sole purpose test, meets the definition of a business real property and satisfies the business use test.

Can my business rent a commercial property owned by my SMSF?

Yes. You can lease the property to anyone, including your business, as long as the lease is done at market rates and the premise is used wholly and exclusively for business activities.

Please consult your financial adviser regarding specific requirements to ensure you are meeting the requirements of the SIS Act.

Can my SMSF borrow money to buy a commercial property?

Yes. When your super benefits are inadequate to buy a commercial property, your SMSF can borrow money to buy property via a bare trust and a Limited Recourse Borrowing Arrangement (LBRA).

Can I transfer a commercial property I own into my SMSF?

Yes. Any property used wholly and solely for business can be transferred to your SMSF. Doing so must satisfy the sole purpose test of contributing to the retirement savings of SMSF members.

What is a Limited Recourse Borrowing Arrangement (LBRA)?

An LRBA lets an SMSF trustee borrow from a third-party lender like loans.com.au to buy a property held in a separate bare trust. If the loan defaults, the lender’s rights are limited to the property.

Can I renovate a commercial property owned by an SMSF?

You cannot borrow money to fund major renovations, but they are allowed if funded using cash from your SMSF and the renovations satisfy the sole purpose test.

May I sublet part of a commercial property owned by my SMSF?

Yes. It is possible to sublet part of a commercial property owned by an SMSF if doing so satisfies the Sole Purpose Test and the SMSF trust deed allows the sublease under a separate lease agreement.