SMSF Loans
SMSF property loans under the current rules: business premises through your fund, or a refinance of an existing fund loan, with the lending worked through alongside your accountant and adviser.
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SMSF
SMSF loans for business owners, investors and existing funds
Whether your fund is buying business premises, adding a commercial investment or refinancing a loan it already has, your broker handles the lending.
Commercial in your fund
Offices, shops and warehouses leased to unrelated businesses, with the loan sized to the rent and contributions your fund can rely on.
Buying your business premises
Your fund buys the premises your business runs from and your business leases it back at market rent, arranged alongside your adviser.
Refinancing an existing fund loan
Loans set up before 10 August 2026 keep the old rules. We work through a refinance of your fund’s residential or commercial loan with care.
The bare trust and paperwork
Bare trust, custodian, lease and contract in the right order and the right names, coordinated with your solicitor before your fund signs.
Working with your advisers
They look after the fund’s strategy and tax, we look after the lending, with one broker keeping everyone working to the same timeline.
Lenders still in SMSF lending
With the big banks out of SMSF lending, we find the specialist lenders still in the market and what each one will ask of your fund.
What’s changed in 2026
The rule changes your fund needs to know before it borrows, each dated and taken from the ATO or the RBA.
Decided 3 Nov 2026
Higher rates test your fund’s cash flow
The cash rate rose to 4.85% on 3 November. Lenders size SMSF loans on the rent and contributions coming in, so a higher rate means your fund needs more income to cover repayments.
Released 19 Oct 2026
ATO draft rulings on business real property
The ATO has released draft rulings on what counts as business real property, the only property a new SMSF loan can now buy. Comments close 27 November 2026, so the final position may still change.
In force from 10 Aug 2026
SMSF property borrowing changed on 10 August
A new SMSF borrowing arrangement can now only buy business real property. The ATO says loans set up before 10 August 2026, and refinancing them, are not affected. Get advice before changing an existing loan.
Better to know
Under the current rules, a property bought with a new SMSF loan must stay business real property for the life of the loan, not just on the day you buy. If it stops being used wholly for business, the fund can breach the borrowing rules. We plan the lending around how the property will be used, with your accountant.
Frequently asked questions
How much can my SMSF borrow?
Lenders assess the fund itself: the rent from the property, the contributions going in and the cash left after settlement, not your personal salary. Each lender weighs those differently, so your broker works out a realistic figure before your fund signs.
Do I need a broker, or can my fund go to its bank?
Most big banks no longer lend to SMSFs, so the options sit with specialist lenders that set their own rules on deposits, rent and fund balance. A broker can arrange loans from those lenders and coordinate the paperwork with your accountant.
Can my SMSF refinance its residential loan?
Yes, if the loan was set up before 10 August 2026: the ATO says refinancing it is not affected by the new rules. We look at the rate, fees and break costs against what other SMSF lenders will offer, and work through it with your accountant before anything moves.
Will I need to give a personal guarantee?
Usually, yes. Many SMSF lenders ask members to personally guarantee the loan, because the fund’s liability is limited to the property. Your broker explains what you’re signing, and your accountant or solicitor confirms how it fits your situation.
How does Brokr Bettr get paid on an SMSF loan?
Lenders pay us a commission when your fund’s loan settles, and usually an ongoing commission after that. We tell you what we’ll be paid before we recommend anything, so you can see exactly how we’re paid.