SMSF lending

SMSF loans for commercial property and refinancing

From 10 August 2026, a new SMSF loan can only be used to buy business real property, such as commercial premises used in a business. SMSF loans set up before that date, and refinancing them, are unaffected. We help with both.

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Is this you?

Business owners buying their premises through their SMSF
SMSFs refinancing an existing loan (set up before 10 August 2026)
Trustees comparing SMSF lenders and rates
Funds with a bare (holding) trust already in place

Key facts

What you should know

Commercial onlyNew SMSF borrowing is limited to business real property from 10 August 2026

RefinanceExisting SMSF loans entered into before 10 August 2026 can still be refinanced

Lower LVRSMSF lenders usually lend a lower share of the value than for a home loan

LiquidityLenders want the fund to keep a cash buffer after settlement

Repayments

Work out repayments for any loan amount, rate and term.

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General information current as at October 2026. Lender policies change; we confirm them for your situation.

How it works

Our process

Check eligibility

We confirm the property is business real property, or that your existing loan pre-dates 10 August 2026.

Compare SMSF lenders

We compare rates, fees, LVR limits and liquidity rules across SMSF lenders.

Work with your advisers

We coordinate with your SMSF accountant and the bare trust documents.

Settle and review

We keep an eye on your rate and review periodically.

Questions

Frequently asked

Can my SMSF still buy a residential investment property with a loan?

Not with a new loan. From 10 August 2026, a new limited recourse borrowing arrangement can only be used for business real property. Existing loans and contracts exchanged before that date are unaffected.

Can I refinance my existing SMSF loan?

Yes. The ATO has confirmed that refinancing an LRBA entered into before 10 August 2026 is unaffected. We compare SMSF lenders to see if a better rate is available.

Do I need financial advice?

Yes. We arrange the lending. Your SMSF accountant or a licensed financial adviser should confirm the strategy suits your fund.

Learn more

SMSF Property Loans After 10 August 2026: What's Changed and What Hasn't

New SMSF loans can now only buy business real property. Existing SMSF loans, refinancing and commercial SMSF lending are unaffected. Here's what it means for you.

3 min readRead more →