Australian business owners and high-net-worth investors are increasingly purchasing business premises and warehouses via Self-Managed Super Funds. Learn how LRBAs and concessional tax rates create lasting wealth.
Self-Managed Superannuation Fund (SMSF) property acquisition continues to experience rapid growth across Sydney, Melbourne, and Brisbane. By utilizing a compliant Limited Recourse Borrowing Arrangement (LRBA), business owners can legally purchase commercial warehouses, medical suites, and industrial units directly inside their super fund.
One of the most compelling advantages is the ability for an owner-occupier business to lease the commercial premises from their SMSF at commercial market rates. Rental payments flow straight into the super fund, accumulating in a maximum 15% concessional tax environmentβor 0% tax once the fund enters the pension phase.
Under current credit underwriting guidelines, SMSF non-recourse lenders require a bare trust structure, minimum liquidity buffers, and evidence of consistent member contributions. Lenders typically offer up to 70%β80% LVR for commercial business premises with interest-only or principal-and-interest schedules.
EZ Mortgage Broker specializes in end-to-end SMSF loan structuring, coordinating directly with your financial planners, accountants, and accredited SMSF legal specialists to ensure seamless compliance and rapid settlement.
Source: EZ Mortgage Broker Commercial Finance & SMSF Practice.
Borrower Action Checklist & Assessment Criteria:
- β Loan Health Audit: Review current variable margin against 30+ accredited Australian lenders.
- β Equity Optimization: Assess usable equity thresholds for cashout buffers or debt consolidation.
- β Serviceability Buffer: Evaluate borrowing capacity under current 3.00% APRA buffer rules.