Refinancing SMSF Commercial Property Loans
Commercial property held inside an SMSF — whether an office, warehouse, retail space, or medical practice premises — can be refinanced. The process involves the same LRBA framework, but with some important differences in lender criteria and LVR limits.
Why Business Owners Refinance Commercial SMSF Property
• The property must still be leased to the business at genuine market rent (arm’s-length terms)
• The lease must be documented and consistent with market rates — the ATO scrutinises related-party transactions
• Lenders typically cap LVR at 80% for commercial properties
• The SMSF trust deed must permit commercial property investment
• The property cannot be used for non-business purposes by members or their associates
