SMSF Commercial
Property Lending

The best product for SMSF Trustees who want to purchase a commercial property within their SMSFs.

Speak with the SMSF experts today!

Speak with the SMSF experts today! - LRBA Page

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500+ Five Star Reviews

Why Buy Commerical Property?

Diversify Your Portfolio

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Reason 3

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Buy Your Place of Business

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Reason 4

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The ASAP SMSF Loan

With a market leading competitive interest rate, a maximum loan term of 30 years, and product features such as offset accounts available and no penalty chargeable if clients pre-pay their mortgage, the ASAP SMSF Loan is a leader within the industry.

New SMSF Loans v. Refinance Loans

ASAP loans are available for new property purchases including off the plan residential properties and refinancing of existing SMSF loans up to 750K. Click below to start.

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Loan Term Up To 30 Years

There are lots of flexible loan terms available. From one to 30-year repayment options (interest only capped at a maximum of five years).

Apply online today, complete a property assessment and tell us about your SMSF.

Get fast pre-approval from our skilled team as they take care of the application process and paperwork.

Settlement! Now you have a structured investment loan that works for you and your wealth strategy.

What Makes Us Leading Lenders

The ASAP SMSF Loan is a boutique product only available from Future Assist Home Loans, offering what the big banks won’t as all the banks stop lending to SMSF’s.

  • Interest-only loan option available
  • Best serving calculator
  • Exclusive product features

Simone Carkeek

SMSF Lending Specialist

Victor Shen

Director & Licensee
Future Assist Home Loans

Luis Eguren

Finance Broker

Ben McTomlinson

SMSF Accounting Specialist

The Most Competitive Interest Rate

A great rate is only the beginning. We make sure your ASAP SMSF loan is optimally structured taking into consideration your goals and requirements.

Comparison Rate % 5.74%
Off the Plan Acceptable ok
Houses, Villas & Units ok
Flexible Terms 5-30 Years ok
Flexible Repayment Frequency ok
Unlimited Fee Free Repayments ok
Unlimited B-Pay & Direct Debit ok

Limited Recourse Borrowing FAQ

What funds should an SMSF have to purchase a commercial property?

If property is an asset class you would like to invest in then speaking with an experienced financial advisor can help you see the big picture. A financial advisor can help you crunch the numbers and identify optimal strategy to meet your goals. Considerations include the ownership structure, cash-flow, depreciation, loan structures, tax implications, growth, reinvestment opportunities and what your exit strategy can look like. Armed with this information you will be able to identify the right property, avoiding emotionally driven decisions and other costly mistakes.

What fees are involved when my SMSF purchases commercial property?

Under Australian Superannuation laws, property can be purchased through a superannuation fund, and often managed funds tend to hold property investments. Through a Self-Managed Superannuation Fund, you will be given the ability to have a direct choice in property if you choose to invest in it.

What is a limited recourse borrowing arrangement or LRBA?

A depreciation schedule is a report that lists the depreciable assets related to owning an investment property. Generally, it gives you and your adviser an idea as to how much tax you can claim when in your tax return. It covers plant and equipment depreciation, which are assets associated with your investment property that have a finite lifetime such as carpets, lighting, etc. It also covers capital works depreciation, which are aspects of more permanent improvements and alterations to your investment property.

Can I make improvements to the SMSF owned commercial property?

Tax is a complex issue however no investor should invest purely for tax purposes. Tax implications will be explored with your advisor and will include: ownership entities such as family trusts; salary sacrificing; superannuation contributions; the management of capital gains; depreciation; how insurances are paid; loan structures and more.

We’re here to help.

With the right people on your side, you could be financially liberated.
Take the first step and chat to our team today.

Over 500+ 5 Star Reviews