Helping clients invest in business real property through their SMSF
The SMSF lending landscape has changed, but business real property remains an opportunity for eligible borrowers whose retirement strategy is to build retirement wealth through buying premises for the business to operate from, or investing in business real property.
What is 'business real' property?
Business real property is used wholly and exclusively for operating one or more businesses and must remain so for the duration of the SMSF loan and Limited Recourse Borrowing Arrangement (LRBA). The focus is on how the property is used, not simply how it is zoned.
Commercial SMSF loan features that may help
Flexible commercial lending
Designed to support a range of SMSF commercial lending scenarios.
Up to 80% LVR
Loan sizes from
$100k - $ 5 million
Up to 30 year terms
Digital applications
Common business real property types
Subject to business real property rules and lending assessment and eligibility criteria.
- Office
- Retail
- Industrial
- Showrooms
- Medical Suites
- Warehouses
- Boarding/ rooming houses*
Refinancing an existing SMSF commercial loan
Pepper Money may also consider the refinance of existing ATO compliant SMSF loans secured by business real property. See Online Super Fund Application form for required documents.
Documentation required
- Privacy Consent
- Online application form
- Identity verification for each member
SMSF documentation
- SMSF Trust Deed
- Variations to the SMSF Trust Deed (where relevant)
- Bare Trust Deed (can be in progress for new purchases, if not already set up)
Property documentation
- Contract of Sale (where applicable)
- Evidence of funds to complete in SMSF transaction account
- Rental income information (where relevant)
- Security valuation
Financial documentation
- Most recent 2 years SMSF financial statements (for existing SMSFs)
- Last 2 years of retail or industry fund statements (for newly established SMSFs)
- Supporting income evidence (only required if statements aren’t available and additional contributions are required)
Want to know more?
Important Information
Information is correct as at 17 September 2026 and subject to change at any time.
This content is for accredited Pepper Money brokers, introducers and intermediaries, including those applying for accreditation. It shouldn't be distributed to or relied upon by consumers.
It is recommended that your clients obtain independent financial and tax advice.
