Buy commercial property inside your super, or refinance your current SMSF loan.
From 10 August 2026, new SMSF loans for real property are for business real property only. Existing SMSF loans can still be refinanced.
Natalie Hawkes · Credit Representative 479789
The SMSF lending rules changed on 10 August 2026
New SMSF loans can now only be used to buy business real property, such as premises used wholly and exclusively in a business. If your fund already has a loan, it can still be refinanced.
The problem
Many business owners pay rent to a landlord for decades while their super sits in managed funds. Buying your premises through your SMSF can mean the rent goes into your own retirement savings instead. But SMSF loans are specialised: fewer lenders, strict structures, and new rules since August 2026. Getting it wrong is costly.
SMSF loan options
Buy your business premises
Your SMSF buys the property your business operates from and leases it back at market rent.
Read the guide: how buying your premises through super worksRefinance an existing SMSF loan
Existing SMSF loans can still be refinanced after the 10 August 2026 change.
Learn more →Commercial property
Offices, warehouses, factories, retail and medical suites that qualify as business real property.
Learn more →
Why Choose Natalie?
Experience. Clarity. Results.
Natalie Hawkes understands that SMSF lending can feel like a complex maze where it’s often hard to know where to start. With years of experience in self managed super fund lending, Natalie works hard to simplify the process and guide her clients through every step with clear, practical advice.
Whether you’re purchasing business premises through your SMSF, refinancing an existing SMSF loan, or growing your portfolio — as a member of the Finance Brokers Association of Australia (FBAA), Natalie provides tailored lending solutions designed to suit your long term goals.
Credit Representative 479789 of AFG · AFCA member through AFG
Member of FBAA
Latest Articles
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7 November 2026
Buying your business premises through your super
How buying your business premises through super works.
7 November 2026
Getting started with a self managed super fund
What an SMSF involves and what to check before you begin.
7 November 2026
LRBA and bare trust rules for SMSF loans
Understand the borrowing arrangement and ownership structure.
7 November 2026
Already have an SMSF loan? When it is worth reviewing or refinancing
Review your current loan, compare repricing and refinancing, and count the full costs.
What clients say
5.0 ★ from Google reviews…She consistently demonstrates a high level of professionalism, integrity, and industry knowledge… Her ability to simplify complex financial matters, combined with strong attention to detail and excellent communication skills, ensures clients feel confident and well-supported throughout every stage of the process.
Nat was very helpful, easy to work with and very accommodating with my requests haha, 10/10 - Would recommend to anyone
Nat is amazing and has helped me tremendously in purchasing property. From my experience know that you are in safe hands with Leverage Financial.
Get my free SMSF assessment
Choose Refinance or Purchase to get started.
FAQ
Can my SMSF still borrow to buy property?
From 10 August 2026, new SMSF loans can only be used for business real property. Existing SMSF loans can still be refinanced.
Can my own business rent the property from my SMSF?
Business real property can generally be leased to a related party on commercial terms, at market rent, with a written lease. Your accountant should confirm this for your fund.
How much deposit does my fund need?
Lenders typically lend up to 80% of the value, so the fund needs the balance plus costs and a cash buffer. Use the calculator for an estimate.
Do I need a corporate trustee?
Most lenders require one. Nat can explain the options and work with your accountant on the structure.
What is a bare trust?
Under a limited recourse borrowing arrangement (LRBA), the property is held in a separate holding (bare) trust until the loan is repaid.
What does Nat charge?
No upfront fees. Natalie is paid by the lender.