We help investors and business owners arrange SMSF lending for eligible commercial and Business Real Property purchases across Australia.
SMSF lending is more complex than standard property finance. At DMC Finance, we work closely with your accountant, financial adviser and other professional advisers to help structure the finance correctly, navigate the lending process and move forward with confidence.
SMSF lending allows a Self-Managed Super Fund to borrow money to purchase certain assets through a Limited Recourse Borrowing Arrangement (LRBA).
Following changes that commenced on 10 August 2026, new SMSF borrowing to purchase real property is generally limited to eligible Business Real Property. This can include commercial premises such as offices, warehouses, factories and other property used wholly and exclusively in a business.
An SMSF may acquire the property through an LRBA, with the loan structured so that the lender’s rights are limited to the asset acquired under the arrangement.
SMSF borrowing involves strict superannuation, lending and structuring requirements, so it’s important to obtain appropriate advice from your accountant, financial adviser and legal professional before proceeding.
Under the current SMSF borrowing rules, new LRBAs used to purchase real property are generally focused on eligible Business Real Property.
Depending on the circumstances, this may include:
The property must meet the relevant superannuation and Business Real Property requirements, and the SMSF must comply with the rules governing related-party transactions and arm’s-length dealings.
If you’re considering purchasing commercial premises through your SMSF, we can work with your professional advisers to help determine whether suitable lending may be available.
The rules surrounding SMSF borrowing changed on 10 August 2026.
New Limited Recourse Borrowing Arrangements generally cannot be used to purchase residential property. However, SMSFs can continue to borrow to acquire eligible Business Real Property, subject to the relevant requirements.
New LRBAs generally cannot be used to purchase residential investment property.
Residential SMSF loan arrangements already in place are subject to transitional provisions and do not automatically need to be unwound as a result of the changes. Refinancing may also be possible, depending on the circumstances and individual lender requirements.
SMSF borrowing remains available for eligible Business Real Property, making SMSF lending particularly relevant for business owners looking to purchase their commercial premises.
The rules are complex and individual circumstances can vary. Professional advice should be obtained before entering into a property contract or establishing an SMSF borrowing arrangement.
The SMSF lending process involves several key stages. While it can be complex, we help guide you through each step from start to finish.
SMSF Structure Review
We work with your accountant or financial adviser to ensure your SMSF is correctly structured and compliant for borrowing.
Borrowing Capacity Assessment
We assess your SMSF’s financial position, contributions, and assets to determine your borrowing capacity.
Strategy & Property Goals
We help align the loan structure with your investment goals, whether you’re purchasing commercial property or business premises.
Lender Selection
Not all lenders offer SMSF loans. We compare specialist SMSF lenders to find the most suitable option for your situation.
Loan Structuring & Documentation
SMSF loans require specific legal structures, including a holding trust and trustee setup. We help coordinate this process with your legal and financial team.
Property Purchase & Settlement
Once approved, your SMSF proceeds with the property purchase and settlement under the correct compliance structure.
Trusted by many satisfied clients
“Dane from DMC Finance assisted us in securing a loan for our smsf property purchase.
Dane was easy to deal with, was more than happy to work around our busy schedules, was quick to get back to me about any queries I had and was always a pleasure to do business with.”
Trent
“Dane from DMC Finance does it all! From Home, Commercial & even SMSF loans or assets finance. Dane has you covered!
I was guided through my SMSF loan with ease. I felt like I was his #1 client. I definitely would recommend DMC finance to everyone.
Paul
Yes. However, the rules changed on 10 August 2026. New LRBAs used to acquire real property are generally limited to eligible Business Real Property.
Business Real Property generally refers to real property used wholly and exclusively in one or more businesses.
Whether a particular property qualifies depends on the circumstances, so professional advice should be obtained before proceeding with a purchase.
Potentially, yes. An SMSF may be able to acquire eligible Business Real Property and lease it to a related business, provided the arrangement complies with the relevant superannuation, related-party and arm’s-length requirements.
Existing residential LRBAs are subject to transitional provisions. The 2026 changes do not automatically require existing arrangements to be unwound.
If you have an existing SMSF residential loan and are considering refinancing, speak with your adviser and lender about whether refinancing is permitted in your circumstances.
Borrowing capacity varies between lenders and depends on factors including the SMSF’s financial position, the property, available funds and the proposed loan structure.
We can assess your circumstances and explain the SMSF lending options that may be available.
Proudly serving clients across the Gold Coast including
Broadbeach, Southport, Robina, Burleigh Heads, Surfers Paradise, and beyond.
Looking for SMSF lending options?
If you’re considering purchasing eligible commercial property through your SMSF,
DMC Finance can help you understand the lending options available.
Speak with DMC Finance today to discuss your SMSF lending requirements.
