Self-Managed Super Fund Finance Solutions
Institutional-grade leverage for retirement capital
To turn your superannuation into a wealth creation engine, we translate your fund’s balance into purchasing power, accessing specialised lenders who offer non-recourse borrowing for property acquisitions.
New SMSF borrowing for property now centres on business-use commercial assets, so commercial property has become the primary path for building wealth through your super. We structure the loan to ensure your asset is correctly held within a Bare Trust, allowing you to capture capital growth while supporting your fund's compliance requirements.
Backed by Australia’s leading specialist lenders for complex entities and self-managed super funds
Integrated lending structures for self-managed investors
Commercial Premises
Own your trading premises through your SMSF. We structure facilities where business rent pays down the loan, building equity within your fund over time.
Commercial Investment
Diversify with income-producing commercial assets. We access specialist lenders for retail, industrial, and mixed-use properties, assessing them on the income they produce.
SMSF Refinancing
Refinance legacy debt to improve fund cash flow. We transition existing facilities to competitive market rates, reducing interest costs to accelerate your net asset growth.
Compliance & Strategy
We coordinate with your advisory team to ensure Bare Trust and loan structures meet strict ATO guidelines, protecting your fund’s long-term compliance status.
Frictionless coordination with your advisory team
Delays in SMSF settlements typically stem from incomplete entity setups or lags in rolling over funds, compounded by the complexity of processing trust structures through standard banking channels.
Engaging your advisors early is critical. Once established, we act as the central conduit between your accountant, planner, and the lender — managing the technical execution to support a compliant settlement.
Aligning retirement capital with infrastructure growth.
We identify commercial assets positioned to benefit from South East Queensland’s infrastructure pipeline. From the Olympic precincts to major transport upgrades, we help you target locations with long-term capital upside.
We present these growth factors to lenders to mitigate their risk concerns, helping you secure funding for assets in high-demand areas.
Core Markets: Sunshine Coast • Brisbane • Gold Coast • Regional QLD
Case study
Funding commercial premises on 18 months of trading history
Challenge:
Our client needed workshop and storage space for his growing business, and planned to buy through a jointly held SMSF. The business was profitable but only a year and a half old, and irregular wages and super contributions made servicing hard to demonstrate.
Strategy:
We built the case around the income the fund would actually receive. Roughly half the property would be occupied by the client's business and the balance leased to an established tenant, so we counted both rents alongside sustainable super contributions to identify a lender comfortable with the structure.
Outcome:
The finance was approved and the SMSF acquired the property on favourable terms. The business gained long-term premises, while the sitting tenant added a second rental stream to the fund, supporting its cash flow as the business grows into the space.
SMSF Finance
Common Questions
-
Yes. New SMSF borrowing is now generally limited to business real property, meaning property used to run a business, such as your own premises or a commercial building leased to a business tenant. What matters is how the property is used, not how it is zoned. For many investors commercial is now the more strategic play, often with stronger yields and longer lease terms, and where you own your premises the rent grows your retirement wealth instead of paying down a landlord's mortgage.
-
Since the major banks withdrew from the sector, SMSF lending is now the domain of specialised Tier 2 banks and private funders. With new borrowing focused on business real property, these specialist lenders have concentrated on commercial, and the panel that suits your fund now looks quite different from a year ago. We hold direct accreditations with these niche lenders, giving you access to competitive rates and interest-only terms that the majors no longer offer.
-
Yes. Acquiring "Business Real Property" can be a smart strategy for directors. Your trading company pays rent directly to your SMSF, with the fund's concessional tax treatment potentially enhancing your retirement wealth. Your accountant can confirm how this applies to your specific structure.
-
The biggest error is signing a purchase contract before your entity structure and funding strategy are fully aligned. An incorrectly executed contract can cause major compliance headaches or invalidate the loan. We coordinate closely with your accountant to ensure your structure is purchase-ready before you make an offer.
-
For commercial property, lenders will generally fund up to 80% of the purchase price, so the fund needs at least 20% plus costs such as stamp duty, bare trust setup and legals. Liquidity requirements vary by funder, from nil to a cash buffer of around 5%. We can also source lenders that allow you to bring forward future super contributions.