Buy commercial property — warehouses, offices, retail or your own business premises — through your self-managed super fund. We arrange compliant commercial SMSF lending and guide you through the structure.
This is general information only. Speak with your accountant or licensed financial adviser about how the change applies to your fund.
SMSF commercial lending lets eligible self-managed super funds borrow to invest in commercial real estate under a limited recourse borrowing arrangement. It suits trustees — and business owners — who want their fund to hold commercial property.
Use your SMSF to invest in warehouses, offices, retail and other commercial property as part of a diversified retirement strategy.
SMSF loans use a limited recourse borrowing arrangement, where the lender's claim is limited to the asset purchased.
Your fund can buy commercial premises and lease them to your own business at market rent — a common strategy for business owners.
SMSF borrowing has strict rules. We work alongside your accountant and adviser to keep the structure on track.
SMSF loans are more involved than standard home loans, so the right guidance matters from day one.
We discuss your fund, your investment goals, and whether SMSF borrowing is a suitable fit alongside your advisers.
We identify lenders comfortable with SMSF transactions and help structure the limited recourse borrowing arrangement.
SMSF loans require careful documentation. We prepare a complete application to give it the best chance of approval.
We see the loan through to settlement and remain available as your fund's circumstances evolve.
SMSF lending sits at the intersection of property, finance and superannuation rules — which is why experience counts. We coordinate with your accountant and financial adviser so the loan complements your fund's broader strategy and stays compliant.
Founded by Kevin Oliveira, who brings more than 10 years of experience across Australian finance and banking, OLEND puts your interests first — finding the right loan for you, not the easiest one for us. We help clients right across Sydney, including the North Shore, Hills District, Inner West, Eastern Suburbs, Northern Beaches and Parramatta.
Answers to the questions Sydney clients ask us most about commercial SMSF lending.
It's a loan that allows a self-managed super fund to borrow money to purchase commercial property under a limited recourse borrowing arrangement (LRBA). The property is held in a separate trust, and the lender's recourse is limited to that asset if the loan defaults.
No — from 10 August 2026, SMSFs can no longer enter new limited recourse borrowing arrangements for residential property, following the Treasury Laws Amendment (Tax Reform No. 1) Act 2026. New SMSF property borrowing is now commercial-only. Existing residential SMSF loans signed before the cut-off continue under their current terms.
Yes. Commercial property remains fully available to SMSF borrowers, and business real property has specific allowances — your fund can buy premises and lease them to your own business at market rent. It's one of the most common SMSF strategies for business owners. We work with your advisers on suitability.
SMSF borrowing involves important legal, tax and compliance considerations, so we strongly recommend working with your accountant and a licensed financial adviser. Our role is to arrange the lending; we coordinate closely with your professional team.
Borrowing capacity depends on the fund's assets, contributions, rental income and the lender's criteria. Commercial SMSF lenders typically require a larger deposit than standard loans. We'll give you a realistic picture based on your fund's position.
Yes — there's more documentation, stricter lender criteria, and additional compliance steps. That's exactly why having an experienced broker manage the process makes a meaningful difference.
Yes. We assist SMSF trustees across Sydney, including the North Shore, Hills District, Inner West, Eastern Suburbs, Northern Beaches and Parramatta, and elsewhere in NSW.
Real reviews from OLEND's Google listing. Rated 5.0 from 21 Google reviews.
"Highly recommend Kevin. He provides excellent professional advice in an honest and friendly way. He explains things in a way that makes sense and is happy to answer all your questions."
"Kevin is a great broker and has helped me throughout my journey. He has wonderful relationships with banks that get the work done in the blink of an eye! Highly recommended."
"Dealing with Kevin was an absolute pleasure and made the whole experience from start to finish very easy for me. Will definitely use him again in my future financial requirements."
Considering commercial property through your super fund? Share a few details and Kevin will be in touch — usually within 24 hours. There's no cost and no obligation.
