SMSF commercial loan - Easy to finance property types

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Otto Dargan
Mortgage Specialist
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Location: Sydney, Australia
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Re: SMSF commercial loan - Easy to finance property types

Post by Otto Dargan »

Hi WhiteBeard,

With a SMSF commercial loan, you may be able to borrow up to:
  • 70% of the value of a commercial property.
  • 80% of the value of a residential property.
  • $10 million. Any higher will be assessed on a case by case basis.
Please note that banks use different methods of assessing the borrowing power of your fund. So you can have a crack at our SMSF borrowing power calculator to get an idea of how the banks may assess you.

When it comes to property types that are easy to finance, residential property and standard commercial properties are relatively easy to finance. Standard commercial properties generally include offices, factories and warehouses, retail shops and restaurants, and rural properties and farms (conditions apply).

Specialised or unusual properties are more difficult to finance. This usually includes development sites, vacant land (in some cases), properties in a poor condition, and single use securities such as pubs, petrol stations and day care centres.

You can check out our website to learn more on all this. You can also directly speak with one of our mortgage brokers who specialise in SMSF commercial loans by calling us on 1300 889 743 or by enquiring online.

Cheers,
Otto
Otto Dargan
Mortgage Broker
P | 1300 889 743
Home Loan Experts

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