Use Your SMSF To Buy Commercial Property

Want to pay off your home loan faster while keeping access to your savings?An offset home loan could be exactly what you need.We find SMSF lenders who get it. Business premises, factories, offices or warehouses. You’re covered.

We can help you

  • Borrow up to 75% LVR
  • Loans from $500k up to $10m+
  • Choose Principal & Interest, or go Interest-Only (max 5 years)
  • Access specialist SMSF lenders, not just the big banks
A man in a suit and glasses is talking on a cell phone while standing outdoors against a wall.
hour glass icon
16+ years in business
thumbs up icon
$5 billion+ loans settled
lock icon
Fast & confidential loan process
Man on the phone looking at a tablet, researching bad credit home loan options.

How Much Can You Borrow?

  • Borrow up to 75% of the value of a commercial property (even with bad credit)
  • Borrow up to $10 million (can go higher on a case-by-case basis)
  • Loan terms of up to 30 years
  • Interest-only repayments available for up to 5 years
  • Some lenders offer discounted interest rates
a couple wondering

Will Your Property Be Accepted?

Not every commercial property is accepted by SMSF lenders, but we know who to go to.

Easier to finance are:

  • Residential properties
  • Offices
  • Factories
  • Warehouses
  • Retail shops
  • Restaurants
  • Rural properties
  • Farms (with conditions)
miniature commercial properties

Why Work With Us for SMSF Commercial Loans?

  • We specialise in SMSF lending and work with a wide network of lenders — who offer commercial property loans to SMSFs
  • We guide you through the complex parts — from bare trust structures to ATO requirements
  • We negotiate on your behalf — to find competitive rates, flexible terms and lender policies that suit your fund
  • We support you from start to finish — application, approval, settlement and beyond

50+ lenders for you to choose from

Our brokers will compare thousands of home loans to find you the best fit.

What Our Clients Say

Home Loan Experts reviewer
Cherry NSW  testimonial-review-star

These guys are great, I’ve been with them since the start of the loan. Always proactive in asking for rate reductions for you and answers your emails in lightning speed.

Home Loan Experts reviewer
Oli S testimonial-review-star

Easy Refinancing – Great experience refinancing for our SMSF. Agent very knowledgable and helpful. Highly recommend their services!

Home Loan Experts reviewer
APC testimonial-review-star

We used home loan experts to organise funding for a property purchase through our SMSF. It can be complicated at times with a super fund, but they helped us through every step

testimonial-review-star

4.9 out of 2,000+ reviews

testimonial-review-star

4.8 out of 430+ reviews

testimonial-review-star

4.8 out of 940+ reviews

Award-Winning Expertise At Your Service

Better Business Awards 2023: Best Large Independent office (Office) award logo
Better Business Awards 2024: Best Customer Service (Office) award logo
Homan Resources Director Asia - 5 Star Employers Of choice- 2023 award logo
The Adviser Australian Broking Award Winner for Major Independednt Brokerage of the year 2023 Award Logo
Better Business Awards 2022: Best Customer Service (Office) award logo

Customised home loan solutions for you

Get expert guidance In 3 easy steps

  • Enquire with us.

    Fill out our quick assessment form or call us at 1300 889 743.

  • Understand your situation.

    A dedicated expert will connect with you to understand your specific goals. Together, we’ll assess your current mortgage standing.

  • Secure your ideal refinance solution.

    Leverage our network of lenders to find the best option based on your needs.