Buy your business premises through your SMSF
Stop paying rent to a landlord: your fund owns the premises and your business pays market rent to your super.
The SMSF lending rules changed on 10 August 2026
New SMSF loans can now only be used to buy business real property, such as premises used wholly and exclusively in a business. If your fund already has a loan, it can still be refinanced.
How it works
Your SMSF (usually with a corporate trustee) borrows under a limited recourse borrowing arrangement. The property is held in a bare trust, and your business signs a written lease at market rent.
What lenders look at
- Fund balance and liquidity after purchase
- Rental income and lease terms
- Contributions history
- Property type and location
Get your free SMSF assessment
Two minutes, two steps. Your details go straight to Nat, who aims to reply within 1 business day.
Step 1 of 2: the deal