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SMSF Loans for Commercial Property & Residential SMSF Refinance

Looking to finance commercial property through your SMSF or refinance an existing residential SMSF loan? We can help you understand the lending options available, compare suitable lenders and manage the finance process from application through to settlement.

Invest in Property Through Super

Use your SMSF to purchase commercial property and build wealth for retirement with full control over your fund’s assets.

Tailored Lending Solutions

Not all lenders support SMSF loans. We’ll help you compare the right options to suit your fund’s structure, goals, and cash flow needs.

Guidance, Every Step

SMSF lending can be complex, we simplify it. From loan setup to compliance, we’ll walk you through the process.

Stay Compliant & In Control

We work closely with your accountant or financial adviser to ensure your SMSF loan remains compliant with superannuation laws and ATO requirements.

Ready to invest in property through your super?

Using an SMSF to finance property involves different lending structures, lender policies and documentation from standard property finance.

Following the 2026 changes to SMSF borrowing rules, our focus is on finance for eligible commercial property purchases and refinancing existing residential SMSF property loans.

At Levitate Finance, we help you understand the lending requirements, compare suitable SMSF lenders and manage the finance process from application through to settlement.

How SMSF property lending works

SMSF property loans are generally structured through a Limited Recourse Borrowing Arrangement, commonly known as an LRBA.

Under this structure, the property is generally held through a separate holding trust while the loan is in place. The lender's recourse is limited to the asset associated with that borrowing arrangement.

SMSF lending also involves specific lender requirements around the fund, property, servicing, liquidity and loan structure.

Commercial SMSF property finance

New SMSF property borrowing now focuses on eligible business real property.

Depending on the property and fund structure, this may include offices, warehouses, industrial premises, retail property and other eligible commercial property.

Lenders assess factors such as the property type, location, valuation, lease arrangements, rental income, fund liquidity and proposed loan structure.

Levitate Finance can compare suitable SMSF commercial property lenders and manage the lending process through to settlement.

Refinancing an existing residential SMSF loan

Already have a residential investment property held through your SMSF?

Existing residential SMSF property loans may still be eligible for refinancing, subject to the existing arrangement and lender requirements.

We can review your current loan, including the interest rate, repayments, property value, outstanding balance, LVR and SMSF financial position.

From there, we can compare suitable SMSF refinance lenders and assess the available lending options.

Our role in SMSF lending

Levitate Finance focuses on the credit and lending side of the transaction.

We can help with:

  • Commercial SMSF property loans

  • Residential SMSF loan refinancing

  • SMSF borrowing capacity

  • SMSF lender comparisons

  • LRBA refinance options

  • Loan structuring

  • Application management

  • Approval and settlement

Where your SMSF investment strategy, tax position, accounting or legal structure needs to be considered, you should speak with appropriately qualified professionals.

From reviewing your borrowing position through to settlement, we help make the SMSF lending process clearer and easier to manage.

Get Started Today

Yes and no. Under the current rules, new SMSF borrowing through an LRBA generally needs to involve eligible business real property. Existing residential SMSF property loans entered into before the 10 August 2026 changes can continue and may still be refinanced, subject to the relevant requirements.

For commercial property purchases, the property and transaction must meet SMSF and lender requirements.

Your SMSF must borrow under a limited recourse borrowing arrangement (LRBA), where the lender’s rights are limited to the asset being purchased.

No. SMSF lending is specialised, and not all lenders provide these products. We’ll help you compare lenders who support SMSF structures.

It varies, but most SMSF loans require a 20–30% deposit. Your borrowing power depends on your fund’s income and expenses.

No. SMSF investment properties must be for investment only. You or related parties can’t live in or use the property.

Yes. The property must be held in a separate holding trust until the loan is repaid. We can guide you through setting this up.
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Local advice. Australia wide home loan solutions.

Levitate Finance is a mortgage broker based in Belmore NSW 2192, helping clients across the Canterbury Bankstown area and greater Sydney with home loans, refinancing, investment loans and debt consolidation. We regularly assist borrowers in Belmore, Campsie, Lakemba, Canterbury, Kingsgrove, Roselands, Clemton Park, Punchbowl and Greenacre.

While proudly serving the local community, Levitate Finance also works with clients across NSW and Australia through phone and online appointments, making it easy to compare loan options and secure the right finance solution wherever you are located.

Compliance

Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.
LEVITATE BROKERS PTY LTD (Levitate Finance) ABN: 24667791095 & Michael Dawoud with Credit Representative Number: 567417 is authorised under Australian Credit Licence: 384704.