Structure & Lender Fit
We assess the proposed transaction against specialist SMSF lender policies before an application is lodged.
Specialist SMSF Lending for Property Investors & Business Owners
Commercial SMSF property loans, existing SMSF loan refinancing and specialist lending solutions — backed by access to 20+ SMSF lenders.
20+ Specialist SMSF Lenders
SMSF Lending Specialists
Sydney-Based, Australia-Wide
★★★★★ Google Review
“Living overseas and needing finance in Australia. Martin made the whole process super easy! He managed everything from start to finish. Highly recommend his service to anyone needing expert advice!”
★★★★★ Google Review
“We have an SMSF, and Martin helped structure the loan, great communication and service. Martin is an excellent broker, extremely knowledgeable and willing to go the extra mile to help us.”
★★★★★ Google Review
“Martin's expertise and dedication helped us secure a great outcome much faster than we expected. His professionalism, responsiveness, and genuine care made all the difference. Highly recommend!”
★★★★★ Google Review
“Martin did a great job managing the loan process, everything was easy and smooth.”
Current SMSF lending rules
SMSF Property Lending Changed on 10 August 2026
From 10 August 2026, a new SMSF LRBA used to acquire real property must be for business real property. Existing arrangements, eligible refinancing and certain contracts entered into before that date can continue under transitional rules.
Understanding which rules apply to your situation is now more important than ever.
Understand What Changed →Primary new-lending service
Commercial Property Through Your SMSF
Looking to purchase commercial property through your SMSF? Borrowing remains available where the property qualifies as business real property under the SIS Act.
This can include offices, warehouses, industrial units, retail premises and other commercial property depending on the property’s use and circumstances.
For business owners, an SMSF may also be able to acquire premises used by their own business, provided the transaction and ongoing arrangements comply with SMSF requirements.
Discuss a Commercial SMSF LoanWe help with the lending.
We assess borrowing capacity, lender policy, property acceptability, servicing, liquidity and loan structure, then coordinate the finance process with your accountant, financial adviser and solicitor.
- ✓Business real property and lender-policy assessment
- ✓Commercial property and lease considerations
- ✓Structure, servicing and liquidity review
- ✓Coordination with your professional advisers
Specialist assessment
Commercial SMSF Lending Isn't One-Size-Fits-All
Two commercial properties with the same purchase price can produce very different lending outcomes.
Property type, location, lease terms, rental income, SMSF contributions, liquidity and lender policy can all affect how much an SMSF can borrow and which lenders will consider the transaction. That’s why we assess the fund, property and proposed structure before recommending a lender.
Property & location
Loan-to-value ratio
Lease & rental income
SMSF contributions
Fund liquidity
Lender policy
Already Have an SMSF Property Loan?
The 10 August 2026 changes don’t automatically mean you’re locked into your existing lender.
Transitional rules can protect qualifying existing residential SMSF borrowings and certain refinancing arrangements. Commercial SMSF loans can also be reviewed as rates, lender policies and your fund’s circumstances change.
We can review your existing loan, lender, rate and structure to determine what lending alternatives may be available.
SMSF Lending Can Get Complicated. That’s Where We Come In.
SMSF lending involves more than finding an interest rate. The fund structure, bare trust, property, lease, contributions, liquidity and lender policy all need to work together.
Commercial & Business Property
We understand how lenders assess commercial property, leases, business real property and complex SMSF structures.
Professional Coordination
We work alongside your accountant, financial adviser and solicitor so the lending process fits within the broader SMSF transaction.
Real SMSF lending case study
Commercial Property Through an SMSF
Wetherill Park, NSW · Commercial property
A small-business owner’s commercial SMSF lending solution
Joan wanted to purchase a commercial property through her SMSF but had been told by her bank that the lending was too complicated. Evolution Lending Partners identified a specialist SMSF lending pathway and coordinated the finance process through settlement.
“Evolution Lending made what seemed impossible, simple. Their SMSF expertise and lender relationships saved us months of frustration and got us a better rate than we expected.”
— Joan T
Loan amount
$850K
Interest rate
7.17%
How We Work
A lending process built around your fund, property and lender fit.
1
SMSF Lending Assessment
We understand your SMSF, property, borrowing requirement and objectives from a lending perspective.
2
Structure & Lender Fit
We assess borrowing capacity, servicing, liquidity, property acceptability and lender policy to identify suitable lending options.
3
Approval & Coordination
We manage the loan application and work alongside your accountant, adviser and solicitor as the transaction progresses.
4
Settlement & Ongoing Support
We manage the lending process through settlement and remain available for future loan reviews and refinancing requirements.
Why Work With an SMSF Lending Specialist?
SMSF lending is a specialist area. Lenders can differ significantly on servicing, liquidity, property types, lease requirements and acceptable structures. Evolution Lending Partners focuses on SMSF lending, helping trustees and business owners navigate lender policy and complex property finance.
20+
Specialist SMSF lenders
SMSF
Lending specialisation
AU
Australia-wide service
End-to-end
Lending management
SMSF Lending FAQs
Common questions about SMSF property lending after the 2026 changes.