Commercial SMSF property finance, existing SMSF loan refinancing and complex lending solutions — matched to specialist lenders based on your fund, property and structure.
Current SMSF lending rules
From 10 August 2026, a new SMSF Limited Recourse Borrowing Arrangement used to acquire real property must be for property that qualifies as business real property. This means new borrowing to acquire residential investment property will generally not be available.
Existing arrangements, eligible refinancing and certain binding contracts entered before 10 August 2026 may be protected under transitional rules.
If you are unsure which rules apply to your SMSF, the structure and transaction should be checked before you commit.
Understand What Changed →Current lending pathways
SMSF borrowing remains available, but the property lending rules are now more specific.
For new property purchases, an SMSF may use an LRBA to acquire property that qualifies as business real property under the SIS Act. Depending on its use and circumstances, this may include offices, warehouses, industrial units, retail premises and other commercial property.
Existing SMSF residential borrowings may also remain relevant under the transitional rules, including eligible refinancing arrangements.
Learn more about LRBAs →SMSF property lending generally involves a Limited Recourse Borrowing Arrangement, where the acquired asset is held separately and the lender’s rights are limited in accordance with the arrangement.
Because SMSF lending involves additional lender, legal and compliance requirements, the structure and lender fit should be considered before entering into a transaction.
Lending support built around the actual transaction, rather than a one-size-fits-all product.
Finance for eligible commercial and business real property purchases through an SMSF. We assess the proposed property, lease, servicing, liquidity, LVR and lender policy to identify appropriate lending pathways.
Discuss a Commercial SMSF Loan →Already have an SMSF property loan? We can review your existing residential or commercial SMSF borrowing, rate, lender and structure and assess refinancing alternatives where the current rules permit.
Review My SMSF Loan →Not every SMSF transaction fits a standard lender policy. We assess complex properties, structures, income and servicing scenarios and identify lenders whose policies may better suit the transaction.
Discuss a Complex Scenario →SMSF lenders can differ significantly on servicing, liquidity, property type, leases, security requirements and acceptable structures. Our role is to understand the transaction first, then identify lenders whose policies fit the actual scenario.
SMSF lending is a core area of our business, not an occasional transaction.
We have access to specialist lenders with different approaches to SMSF property, servicing, LVR and liquidity.
We understand how lenders assess commercial property, leases, business real property and complex SMSF structures.
We assess lender fit before lodging an application to reduce avoidable delays and unsuitable applications.
We work through unusual property, structure and servicing scenarios rather than relying on a one-size-fits-all approach.
We work alongside your accountant, financial adviser and solicitor while managing the lending process.
Lender selection
SMSF lender policies vary considerably. A lender that suits one commercial property or SMSF structure may not suit another.
We compare available lending options based on the SMSF, property, servicing position, liquidity and structure rather than simply comparing headline interest rates.
Lender availability is subject to eligibility, property type, lending criteria and ELP’s current lender panel. Not every lender is available for every SMSF scenario.
Start Your Scenario AssessmentA lending process focused on the fund, property, structure and lender fit.
We start by understanding the borrowing requirement, SMSF position, proposed property and existing structure from a lending perspective.
We assess the transaction across suitable specialist lender policies.
Once a suitable lending pathway is identified, we manage the application and lender requirements through assessment.
We coordinate the lending requirements with the relevant professionals through settlement and remain available as the loan or fund circumstances change.
Common questions about commercial SMSF lending, existing loans and the rules applying after 10 August 2026.
