5.0 from 12 Reviews
For business owners and investors who want their superannuation working harder, an SMSF commercial loan can be one of the most effective structures available. At NMS Finance Solutions, we work with clients across Australia to arrange finance for commercial property acquisitions through self-managed super funds, helping them understand what is possible and connecting them with lenders who are active in this space.
What Is an SMSF Commercial Loan?
A Self-Managed Super Fund commercial loan allows your SMSF to borrow money to purchase a commercial property using a limited recourse borrowing arrangement, commonly referred to as an LRBA. Under this structure, the property is held in a separate bare trust until the loan is repaid in full, at which point legal ownership transfers to the fund. The term "limited recourse" means that if the fund defaults, the lender's recourse is limited to the asset held in the bare trust. The rest of the fund's assets are protected.
Importantly, the 2026 restrictions on new residential LRBAs do not apply to commercial property. Provided the property qualifies as business real property under section 66 of the SIS Act, an SMSF can still enter into a new LRBA to acquire it. This makes the SMSF commercial loan a viable and current strategy for eligible fund members.
What Counts as Business Real Property?
Not every property marketed as commercial will automatically qualify. Business real property is defined as land and buildings used wholly and exclusively in one or more businesses. The actual use of the property at the time of acquisition is what matters, not how it is described or marketed. A property with a residential component may not qualify, or may only partially qualify, depending on the specific circumstances. Mixed-use properties require careful assessment, and the rules around primary production land have their own specific concessions. NMS Finance Solutions works alongside your SMSF accountant and legal adviser to help identify whether a property is likely to meet the definition before you proceed.
Leasing Back to Your Own Business
One of the most compelling reasons business owners explore an SMSF owner-occupied commercial property strategy is the ability to lease the property back to their own business. Because business real property is excluded from the in-house asset rules under the SIS Act, an SMSF related party lease is permitted, provided the lease is on arm's length terms at market value. This means your business pays rent directly into your super fund, effectively redirecting occupancy costs into your retirement savings. NMS Finance Solutions can help you understand how lenders assess this type of arrangement and what documentation they typically require.
Loan Structure and Rates
SMSF commercial loan LVR limits are generally lower than standard commercial lending, with most lenders capping borrowing at around 65 to 70 per cent of the property's value. Both SMSF fixed rate commercial and SMSF variable rate commercial options are available depending on the lender and the fund's requirements. NMS Finance Solutions compares SMSF commercial lenders across our panel to identify structures that suit the fund's cash flow position and investment strategy. We do not recommend a single lender. We look at the full picture.
Tax Considerations
Commercial rental income received by the SMSF is generally taxed at the concessional superannuation rate of 15 per cent during the accumulation phase. If the fund is in pension phase, that rate may reduce further. On disposal, the SMSF CGT discount may apply if the property has been held for more than 12 months, potentially reducing the capital gains tax liability significantly. These are matters for your SMSF accountant and tax adviser to confirm in the context of your fund's specific circumstances. NMS Finance Solutions does not provide tax advice, but we understand how these factors influence the overall attractiveness of a commercial loan structure through super.
What NMS Finance Solutions Does
We are a commercial property broker based in Rhodes, working with clients across the country. Our role in an SMSF commercial loan application is to assess your borrowing position, identify suitable lenders from our panel, and manage the finance process through to settlement. We work closely with your existing SMSF professionals, including your accountant, auditor, and legal adviser, to make sure the finance component fits within the broader structure they have established. If you are looking to buy business premises with your SMSF or expand an existing commercial property portfolio inside super, talk to NMS Finance Solutions about what your fund may be able to access.
Step 1: Get in Touch
Reaching out is the first step toward your financial goals. You can contact us by phone, email, or through our online enquiry form. We make it easy to get the conversation started, no matter where you are in Australia.
Step 2: Initial Consultation
We take the time to sit down with you, either in person at our Rhodes office or virtually, to understand your situation. We listen to your goals, your concerns, and what you are hoping to achieve. This is your chance to ask questions and get a feel for how we work.
Step 3: Fact Finding and Assessment
Once we understand your goals, we gather the details we need to assess your financial position. This includes your income, expenses, assets, liabilities, and any other relevant information. We keep this process straightforward and stress-free.
Step 4: Research and Strategy
With a clear picture of your situation, we get to work. We research the market and compare products from a wide range of lenders to find options that suit your needs and budget. We do the legwork so you do not have to.
Step 5: Present Your Options
We present you with a clear and easy-to-understand summary of your best options. We walk you through the features, costs, and benefits of each, so you can make a confident and informed decision.
Step 6: Application and Approval
Once you have chosen the right product, we prepare and lodge your application on your behalf. We manage the process with the lender, keep you updated every step of the way, and work hard to secure a fast and smooth approval.
Step 7: Settlement and Beyond
After approval, we guide you through to settlement and make sure everything goes to plan. But our support does not stop there. We stay in touch to review your finance as your circumstances change, because we are here for the long term, not just the transaction.
I cannot speak highly enough of this incredible team. They went above and beyond my expectations every step of the way, and their professionalism, knowledge, and genuine commitment to achieving the best possible outcome were outstanding. The level of care, attention to detail, and expertise they provided made the entire experience exceptional. It is rare to find a team that combines such a high level of financial expertise with truly outstanding service. I am incredibly grateful for everything they have done and would not hesitate to recommend them to anyone looking for knowledgeable, trustworthy, and dedicated financial professionals. An absolutely exceptional team!
Ari Huffines
An extraordinary team of genuinely hard-working, diligent, and compassionate people. Their commitment to helping and supporting those they work with is exceptional, and it is clear that they will do everything humanly possible to achieve the best outcome for you. What stands out most is not only their professionalism and expertise, but the genuine care, persistence, and dedication they bring to their work. They go above and beyond, and their efforts do not go unnoticed. I cannot speak highly enough of this team. I have the utmost respect for the work they do and am deeply grateful for the support, commitment, and humanity they have shown. I would recommend them without hesitation and hold them in the highest regard.
David Huffines
A fast and clear communication with an outstanding result. I want to thank the entire NMS Finance team for Your outstanding service.
Bef Wolelo
⭐️⭐️⭐️⭐️⭐️ We had an incredible experience working with NMS Finance Solutions. They expertly secured a consolidation loan for us, making the process smooth and stress-free. Their professionalism, attention to detail, and dedication to finding the best solution for our needs were outstanding. We highly recommend NMS Finance Solutions to anyone looking for a reliable and effective broker. Thank you for your exceptional service!
Amy Koller
In most cases, mortgage brokers in Australia are paid a commission by the lender when a loan is settled. This means that in many situations, there is no direct cost to you for using our services. The commission structure is regulated in Australia, and brokers are required to act in your best interests under the Best Interests Duty legislation. At NMS Finance Solutions, we are transparent about how we are paid, and we will always disclose this information to you clearly before you proceed. In some circumstances, such as with certain commercial or specialist lending, a fee may apply. We will always discuss this with you upfront so there are no surprises. Our goal is to make sure you feel informed and confident every step of the way.
The documents required can vary depending on your employment type, the type of loan you are applying for, and the lender involved. Generally speaking, most lenders will ask for proof of identity, recent payslips or tax returns, bank statements, details of any existing debts or liabilities, and information about the property you are looking to purchase. If you are self-employed, you may need to provide additional documentation such as business financial statements or BAS statements. At NMS Finance Solutions, we will walk you through exactly what is needed for your specific situation so you are not left guessing. We help you prepare your application thoroughly, which can make the process smoother when it comes to dealing with the lender.
Choosing the right broker comes down to trust, communication, and genuine care for your outcome. At NMS Finance Solutions, we pride ourselves on being approachable and honest with every client we work with. We take the time to listen before we make any suggestions, and we make sure you understand your options clearly before you make any decisions. We work with clients across Australia and have experience across a wide range of lending situations, from straightforward home purchases to more complex commercial and investment scenarios. We are not here to rush you through a process. We are here to support you in making informed decisions that are right for your circumstances. If you would like to get a feel for how we work, we welcome you to reach out for an obligation-free conversation.
Having a less than perfect credit history does not automatically mean you cannot access finance. There are lenders in Australia who specialise in working with borrowers who have had credit issues such as defaults, late payments, or a previous bankruptcy. At NMS Finance Solutions, we take the time to understand your full financial picture before making any recommendations. We do not make assumptions, and we do not judge. Our role is to look at your current situation honestly and explore what options may be available to you. We want to be upfront with you about what is realistic, and we will always give you an honest assessment rather than tell you what you want to hear. If you are unsure where you stand, the best first step is to have a conversation with us.
The timeline for a home loan can vary depending on a number of factors, including the lender you are applying with, the complexity of your situation, and how quickly all required documents can be gathered. In general, once a complete application is submitted to a lender, formal approval can take anywhere from a few days to a few weeks. At NMS Finance Solutions, we work to keep things moving by staying in regular contact with lenders and keeping you updated along the way. We also help you prepare your application as thoroughly as possible from the start, which can reduce delays caused by missing information. We recommend reaching out to us as early as possible in your planning process so we have enough time to work through everything properly.
When you go directly to your bank, you are only seeing the products that particular bank offers. A mortgage broker like NMS Finance Solutions has access to a panel of lenders, which means we can look across multiple options on your behalf. This gives you a broader view of what may be available to you, rather than being limited to one institution's products. We also take the time to understand your personal circumstances before recommending any direction, which means the conversation is tailored to you. Banks are focused on their own products, whereas our focus is on finding a loan structure that suits your situation. We also handle much of the communication and administration involved, which saves you time and effort.
A finance and mortgage broker acts as the link between you and a wide range of lenders. Rather than you having to approach banks and lenders one by one, a broker does that work on your behalf. At NMS Finance Solutions, we take the time to understand your situation, your goals, and what you are looking to achieve. We then research suitable loan options from our panel of lenders and present you with choices that may suit your needs. We handle the paperwork, liaise with lenders, and keep you informed throughout the process. Our role is to make the experience as clear and straightforward as possible, whether you are buying your first home, refinancing, or looking at a commercial loan.
Absolutely. While NMS Finance Solutions is based in Rhodes, New South Wales, we work with clients right across Australia. Thanks to phone, email, and video calls, we can have meaningful conversations with you no matter where you are located. Whether you are in Melbourne, Brisbane, Perth, or a regional area, we are set up to assist you with your finance needs. Distance is not a barrier to getting quality support and guidance. We are committed to making sure every client, regardless of location, receives the same level of attention and care. If you are ready to get started or just want to have a chat about your options, reach out to us and we will take it from there.
NMS Finance Solutions assists clients with a broad range of lending needs. This includes home loans for owner-occupiers, investment property loans, refinancing of existing loans, construction loans, and loans for self-employed borrowers. We also assist with commercial finance, asset finance, and equipment finance for business owners. Whether you are purchasing your first property, looking to grow a property portfolio, or need funding for your business, we have the experience to help you explore your options. Every situation is different, so we always start with a conversation to understand what you are trying to achieve before we look at what lending options may be worth considering. No question is too small, and we welcome enquiries at any stage of your planning.
Refinancing means replacing your existing loan with a new one, either with your current lender or a different one. People refinance for a range of reasons, including accessing different loan features, consolidating debts, or adjusting their loan structure to better suit their current circumstances. It is not something that suits everyone, and there are costs involved in refinancing that need to be weighed up carefully. At NMS Finance Solutions, we can help you look at your current loan and compare it against what else may be available, so you can make an informed decision. We do not push refinancing as a solution unless it genuinely makes sense for your situation. If you are curious about whether refinancing could be worth exploring, we are happy to have that conversation with you.
NMS Finance Solutions works with business owners and investors across Australia on SMSF commercial loan applications. Talk to Nat from NMS finance solutions at a time that suits you.
Book a Free Consultation
