Can a self-managed super fund borrow to buy property?

Yes. An SMSF can borrow through a Limited Recourse Borrowing Arrangement that allows the fund to purchase property while limiting lender recourse to the asset held in the trust.

What deposit is required for an SMSF property loan?

Deposit requirements vary between lenders and are usually higher than standard residential loans. If you are considering an SMSF property loan, we can review your fund position and explain the deposit lenders may require.

SMSF Loans

Your Trusted Partners in SMSF Property Loans

At Pinnacle Brokers, we help trustees navigate finance for eligible commercial property purchases and the refinancing of existing SMSF property loans.

Speak With Our Team

SMSF Commercial Property Loans

Refinancing SMSF Home Loans

Access To A Network of 70+ Lenders

How An SMSF Commercial Property Loan Works

Invest in Commercial Property Through Your SMSF

An SMSF may be able to borrow funds through a Limited Recourse Borrowing Arrangement (LRBA) to purchase an eligible commercial property.

When assessing an SMSF commercial property loan or refinance, lenders consider the fund’s structure, financial position and ability to meet the loan repayments. This may include rental income from the property, member contributions and other eligible SMSF income. Key areas lenders may review include:

– The SMSF trust structure and trustee details

– The fund’s balance and contribution history

– The deposit or available equity within the fund

– The proposed commercial property and expected rental income

– The fund’s ability to service the loan

– The SMSF’s investment strategy

– The lender’s SMSF borrowing requirements

At Pinnacle Brokers, we help clients explore finance for commercial property purchases through an SMSF and refinancing existing SMSF property loans. All lending remains subject to lender assessment and eligibility requirements.

Commercial Property Purchases Supported Through SMSF Lending

SMSF lending may be available to purchase eligible commercial property when the transaction complies with superannuation regulations and the fund’s investment strategy.

– Business premises leased to a related business

– Offices, retail spaces or warehouses

– Commercial investment properties leased to unrelated tenants

– Other eligible business real property

Deposit requirements, loan amounts and property eligibility vary between lenders. At Pinnacle Brokers, we review the proposed property, SMSF structure and relevant lending policies early to help identify suitable finance options.

SMSF Home Loan Refinancing

Refinance Your SMSF Home Loan Today

Purchasing a property through your self managed super fund can be a great way to grow your retirement investment portfolio. Historically these have had a set and forget mentality with high interest rates eating into your nest egg. Existing SMSF property loans may be refinanced, subject to lender requirements.

At Pinnacle Brokers, we compare SMSF Home Loan options from our network of more than 70 lenders and help you understand how different banks assess SMSF borrowing and secure the best loan possible to suit your situation.

Why You Should Review Your Existing SMSF Home Loan

Reviewing your SMSF home loan can be a powerful way to protect your retirement savings. However, SMSF lending is highly specialised, meaning that staying with an outdated loan can quietly drain your fund’s wealth much faster than a standard home mortgage.

How an SMSF Loan Broker Can Help

SMSF lending involves specialised lender policies and detailed documentation. At Pinnacle Brokers, we help trustees navigate finance for eligible commercial property purchases and the refinancing of existing SMSF property loans.

We can assist by:

– Reviewing the SMSF documentation required for the loan application

– Comparing suitable SMSF commercial lending options

– Explaining deposit, equity and servicing requirements

– Coordinating with your accountant, financial adviser and solicitor where required

– Communicating with the lender throughout the application and approval process

– Supporting you from initial assessment through to settlement

We provide credit assistance only. Trustees should obtain independent financial, legal and taxation advice to ensure the proposed transaction complies with superannuation requirements.

    
 
 
       Posted on Google  
   
   Lyndon Phillips 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend!!.
They helped me with a refinance and made the process very easy . Great communication.
Thankyou
  
 
      Posted on Google  
   
   Larni Howarth 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michael and his whole team at Pinnacle Brokers were extremely professional, knowledgeable and quick with our home loan process. Michael was more than happy to answer questions and concerns which was extremely important for us being first home buyers. We bought interstate and rurally and although Pinnacle Brokers is located on the GC the team had knowledge and understanding of the regulations etc for our state and area which was great. Both my partner and I highly recommend Pinnacle Brokers and will definitely continue to work with them in the future. Thank you Michael and your team for helping us achieve our goals!!
  
 
      Posted on Google  
   
   Rachel Griffiths 
 
 
 
 Trustindex verifies that the original source of the review is Google. We cannot speak highly enough of Michael and the team at Pinnacle. They are extremely knowledgeable, responsive, and genuinely committed to achieving the best outcome for their clients. Their support during our most recent investment purchase was outstanding, and we would not hesitate to recommend them to anyone seeking mortgage advice and finance solutions.
  
 
      Posted on Google  
   
   William Ritua 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michael, Amanda and the whole team are really great. We were not sure if we can get approval for one investment property yet they were able to help us get us approval for two properties.
  
 
      Posted on Google  
   
   David Recht 
 
 
 
 Trustindex verifies that the original source of the review is Google. Absolutely fantastic experience from start to finish. The whole process was effortless, and the team was incredibly helpful, friendly and responsive throughout. They really kept their finger on the pulse, stayed on top of everything and kept us informed every step of the way.
Most importantly, they worked hard to secure us the best possible rates and made what could have been a stressful process feel incredibly easy. We couldn’t be happier with the service!
  
 
      Posted on Google  
   
   Cobe France 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very easy and swift experience
  
 
      Posted on Google  
   
   Vedad Hasanovic 
 
 
 
 Trustindex verifies that the original source of the review is Google. Update 11.09.2026:
Returning customers to Pinnacle Brokers. As expected, Michael and the team went above and beyond to help us with our goal. Not only were we able to achieve what we wanted but they made it happen in a very timely manner. The communication is always fantastic and the service we get is outstanding. We continue to recommend Michael & team to our friends & family.

Original:
Michael has been amazing throughout the whole process.

From the initial meeting to signing the final documents, there was never a moment of uncertainty. Any odd question in between was answered in the most timely manner. The level of professionalism, communication and care has been outstanding and in our opinion cannot be topped. Having spent hours researching local brokers, we're glad to have found someone who truly cares about their clients.

Hopefully this review can help guide others in their own search of an amazing broker.
  
 
      Posted on Google  
   
   Heidi Marlow 
 
 
 
 Trustindex verifies that the original source of the review is Google. Buying a house is stressful enough without having to deal with me 😂 Luckily, Michael was an absolute weapon! Patient, responsive and there for me through everything. Thanks for putting up with my chaos — couldn’t recommend you more! 🏡😂
  
 
      Posted on Google  
   
   Todd Lewis 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bella and Michael have now guided me through both my first and second property purchases, and they made each one as stress-free as possible. They were exceedingly patient and professional throughout, and the quality market insights they provided gave me real confidence in my decisions. Having a broker who genuinely knows the market and takes the time to explain it makes all the difference.
  
 
      Posted on Google  
   
   Jessica Preston 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great service, efficient and lovely to deal with

Book an Appointment to Discuss SMSF Lending

Contact Pinnacle Brokers to arrange a time to discuss your SMSF home loan options.

Book Appointment

Frequently Asked Questions

Find quick answers to common questions using our helpful FAQs.

Can an SMSF borrow to purchase commercial property or refinance an existing loan?

Yes. An SMSF may be able to borrow through a Limited Recourse Borrowing Arrangement (LRBA) to purchase an eligible commercial property or refinance an existing SMSF property loan. All lending is subject to the SMSF structure, lender criteria and eligibility requirements.

Can an SMSF buy commercial property?

Yes, an SMSF can purchase commercial property, including premises leased to a related business, provided the arrangement complies with superannuation regulations. We can explain how lenders assess SMSF property loans and what documentation is typically required.

What deposit is required for an SMSF commercial property loan?

Deposit requirements vary depending on the lender, the commercial property and the SMSF’s financial position. SMSF commercial property loans generally require a larger deposit than standard home loans. We can assess your fund’s position and explain the deposit and lending requirements that may apply.

Do I need a broker to arrange an SMSF loan?

Some lenders accept SMSF applications only through broker channels and policies can vary widely between lenders. A broker can help compare lender requirements and structure the loan appropriately before submitting an application.

How long does an SMSF loan approval take?

Approval timeframes vary depending on the lender and how quickly the SMSF documentation can be reviewed. Preparing trust documents and financial records early can help lenders assess the application more efficiently.

Do you still have some questions?

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