Investing in commercial property through your Self-Managed Super Fund (SMSF) is becoming an increasingly popular strategy for Australians who want to diversify their retirement portfolio. With SMSF commercial loans, you can purchase property, benefit from rental income, and stay compliant with superannuation laws. WizWealth provides tailored lending solutions that make the process seamless, ensuring you invest smartly while protecting your future.

What Are SMSF Commercial Loans?

SMSF commercial loans are specifically designed to help trustees purchase commercial property through their super fund. Unlike standard loans, these are structured to comply with the Superannuation Industry (Supervision) Act (SIS Act) and other regulations. They allow your SMSF to borrow funds under a Limited Recourse Borrowing Arrangement (LRBA), meaning the lender’s rights are limited to the property itself. This protects the rest of your SMSF assets from financial risk.

Why Choose SMSF Commercial Loans?

Investing in commercial property through your SMSF provides several advantages:

• Tax Efficiency – Rental income generated by the property is taxed at just 15%, while capital gains tax can be as low as 10% if held for more than 12 months.

• Asset Growth – Owning commercial property allows your SMSF to grow in value over time, strengthening your retirement savings.

• Business Premises Benefits – Many business owners use SMSF commercial loans to buy their own office, shop, or warehouse, allowing their business to lease the premises from the SMSF at market rates.

• Diversification – Adding property to your super portfolio balances your investment mix and reduces reliance on shares alone.

Borrowing 100% for Commercial Property

With WizWealth, SMSF trustees can explore borrowing up to 100% for commercial property purchases. This strategy helps maximise super fund opportunities without requiring large cash reserves. By using structured finance solutions, you can secure high-value property while keeping your SMSF compliant with ATO guidelines.

Staying Compliant with SMSF Lending Rules

SMSF borrowing is tightly regulated, which makes professional advice crucial. The loan must follow strict LRBA rules, repayments must come from the SMSF, and rental agreements should always be at arm’s length. WizWealth ensures compliance at every step, from loan setup to ongoing management. This not only keeps your fund safe from penalties but also optimises your long-term financial benefits.

Why Partner with WizWealth?

WizWealth specialises in providing expert advice and customised lending strategies for SMSFs. Their team understands the complexities of SMSF lending, ensuring you receive the right guidance for your financial goals. With a focus on compliance, efficiency, and smart investing, WizWealth helps you navigate loan structures, interest rates, and property strategies that suit your retirement plan.

Conclusion

SMSF commercial loans are a powerful tool to grow your retirement wealth, diversify your portfolio, and even secure premises for your business. With WizWealth, you gain access to tailored advice, 100% borrowing solutions, and ongoing support to keep your SMSF compliant. If you’re ready to invest smartly in commercial property through your super fund, WizWealth is your trusted lending partner.