Commercial purchase
Assess eligible loan options for an SMSF purchasing completed commercial property, subject to specialist advice and lender policy.
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Eligible SMSF property lending · Australia-wide
SMSF commercial property loans and residential refinancing.
BGW helps with lending for eligible commercial property purchases through a self-managed super fund (SMSF) and refinancing existing residential SMSF property loans. Brion works with you and your chosen advisers on lender requirements and the loan application.
Service scope: BGW does not assist with new residential property purchases through an SMSF.
Perth-based broker · Phone and online support throughout Australia
Understanding your options
What SMSF lending does BGW assist with?
BGW assists with credit for eligible commercial property purchases through a self-managed super fund and with refinancing an existing residential property loan already held in an SMSF. BGW does not assist with new residential property purchases through an SMSF.
An SMSF property transaction can involve the fund trustee, a separate holding trustee, a limited recourse borrowing arrangement (LRBA) and strict documentation. Under an LRBA, the lender’s rights of recovery against the fund are generally limited to the asset acquired under the arrangement. Separate guarantees can create additional obligations, so the documents need specialist review. Get advice from appropriately qualified legal, accounting and financial advisers before signing contracts or loan documents. They should determine the correct structure and sequence for the property and jurisdiction.
Residential refinance
Review refinancing options for an existing residential SMSF property loan already in place.
Lender requirements
Clarify the financial, property, entity and trust documents a lender may require for assessment.
Application coordination
Work with you and your chosen advisers to progress the credit application and satisfy lender conditions.
Get the structure checked first
The order of steps matters. Changing contracts, trustee names or holding-trust arrangements after signing can be difficult and costly. Brion can explain the lender’s documentation expectations, but cannot establish the SMSF, holding trust or investment strategy.
Before committing to a property or refinance, obtain advice on compliance, ownership, liquidity, tax, legal documents and whether the strategy is appropriate for the fund and its members.
- SMSF and trustee details
- Holding trustee or bare trust documents where applicable
- Fund financial statements and member contributions
- Property contract, lease, valuation and loan purpose
How a lender may view the application
A lender may assess fund contributions, rental income, liquidity, existing liabilities, property type, lease terms and the proposed repayment position. Requirements and acceptable structures vary materially between lenders.
For commercial property, the lender may also review the tenant, lease and any relationship between the fund members, business and property. A clear application should explain the complete arrangement.
- SMSF commercial property purchases
- Refinancing existing residential SMSF property loans
- Completed properties that meet lender requirements
- Applications supported by independent professional advice
Frequently asked questions
Useful answers before you begin.
Can BGW help an SMSF buy residential property?
No. BGW does not assist with new residential property purchases through an SMSF.
Can BGW refinance an existing residential SMSF loan?
Yes, BGW can assess eligible refinancing options for an existing residential property loan already held in an SMSF, subject to lender policy and the fund’s circumstances.
Can BGW help an SMSF buy commercial property?
Potentially. BGW can assist with eligible completed commercial property purchases through an SMSF, subject to lender assessment and independent legal, accounting and financial advice.
Does Brion set up the SMSF or bare trust?
No. BGW provides credit assistance only. The SMSF, trustee, holding-trust and transaction documents must be handled by appropriately qualified professional advisers.
Your next step
Ready to talk about your loan?
Tell Brion what you are planning and the questions you would like answered.