SMSF commercial property loans, without the bank queue.
Many banks have narrowed or exited SMSF commercial lending, which leaves trustees with an asset under contract and no facility to settle it. Envision Private arranges SMSF commercial property loans under limited recourse borrowing arrangements, secured by first mortgage over the property held by the bare trustee. Assessment focuses on the asset, the LVR and the fund's ability to meet interest, and facilities are commonly short-term — used to settle now and refinance into a longer-term lender once there is time to do so. Trustees should take their own licensed financial, tax and legal advice on any borrowing arrangement; we arrange credit and do not provide financial product advice.
When it makes sense
- A fund purchasing business premises the members' operating company will occupy
- Settling an SMSF commercial purchase inside a short contract deadline
- Refinancing an SMSF facility a bank has declined to extend
- Buying an office, retail, industrial or medical suite as a fund investment
- Bridging to a longer-term SMSF lender once approvals are in place
Indicative loan parameters
| Loan size | $250,000 – $20,000,000+ |
| LVR | Up to 65% of commercial market value |
| Term | 6 – 24 months |
| Structure | Limited recourse borrowing arrangement with a bare trustee |
| Security | 1st mortgage over Australian commercial property |
| Exit | Refinance to a long-term SMSF lender, contributions, or sale |
How the process works
- Structure check — fund, trustee, bare trust and contract reviewed up front.
- Indicative terms — written pricing, LVR and conditions within 24 hours.
- Credit approval — valuation, lease review and legal due diligence.
- Documentation — LRBA loan documents, mortgage and bare trust deed review.
- Settlement — funds advanced to complete the fund's purchase.