SMSF commercial property loans
Offices, warehouses, factories, retail and medical suites that qualify as business real property.
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.
Property types
Office & medical
Professional suites and consulting rooms.
Industrial
Warehouses, factories and workshops.
Retail
Shops and showrooms.
Residential and mixed-use property isn’t covered here. Whether a property is business real property depends on its use; check with your accountant.
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