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Our award-winning mortgage brokers will find you the right SMSF commercial loan for your situation.
Are all commercial properties accepted?
Banks prefer residential properties and standard commercial properties for self-managed superannuation funds (SMSFs) including:
- Retail shops
- Rural properties
- Farms (conditions apply)
It is more difficult to get approval for specialised properties but we can still make a strong case for:
- Development sites
- Vacant land (in some cases)
- Properties in a poor condition
- Single use securities such as pubs, petrol stations and day care centres
Are you buying business premises?
If you are a business owner and you have an SMSF then there may be tax and investment benefits for you to sell your commercial premises to your SMSF.
It is against the law to sell a residential property to your own SMSF, however, there are no such restrictions with commercial properties.
Some lenders will favour this type of transaction as opposed to the simple purchase of a commercial investment property within your SMSF.
You should seek financial advice from your accountant before you decide to sell your business premises to your SMSF as there are complex Capital Gains Tax (CGT) and SMSF legislation requirements that come into play.
What documents do I need to provide?
Most of our lenders will require:
- SMSF trust deed.
- Custodian trust deed.
- Tax returns for the SMSF (there are some exceptions).
- Evidence of the rental income.
- A full copy of the contract of sale.
How our services can help you…
Complete our free assessment form or call us.
We assess your situation.
We look at all the options from our panel of lenders.
We will find you the most suitable deals.
We’ve lent more than $1 billion Australia-wide.
Find out why we are the winner of the ‘Best Customer Service – Office’ category
in the 2015 and 2016 Better Business Awards.
Recently, we were approved for a loan all due to the hard work Preeti put into helping us secure our first family home. Preeti went above and beyond normal working hours and weekends to help us along the process.
– Vanessa, Elwood, Melbourne