Your super could own your business premises
SMSF property finance can help you buy eligible business real property through your super. Getting the structure right from the start matters. Our SMSF loan brokers help structure and manage the finance so the process is clear from the start.
Book a consultation if you want to:
- Borrow to buy eligible business real property through your SMSF
- Get the best available rate on your SMSF loan
- Work through the rules around LRBAs without the confusion
- Find lenders that actually do SMSF loans
- Talk holistically about your SMSF accounting or strategy
- Establish a new SMSF
Why BlueRock for SMSF Property Finance?
SMSF lending specialists
Broader lender access
A team behind your loan
Great service. No surprises.
How Does an LRBA Work in Practice?
- A business owner has $500,000 in their SMSF and spots an opportunity to buy their commercial premises for $1,000,000.
- BlueRock Finance runs a free serviceability assessment, confirms the fund's income can cover repayments, and secures a loan at 80% of the purchase price.
- A bare trust is set up to hold the property on behalf of the SMSF.
- The property is held in a separate holding trust while the loan is in place. Under an LRBA, the lender's recourse is generally limited to that property.
That's an LRBA in practice. It can be a useful option for the right business owner, but it needs to fit the fund's investment strategy, cash flow and retirement goals.
Before you sign a purchase contract, talk to us. In some states the LRBA structure needs to be in place before you sign, and your fund needs to pass a serviceability assessment first. Getting this right from the start saves a lot of headaches later.
From 10 August 2026, a new LRBA can only be used to acquire business real property. That means land or buildings used wholly and exclusively in one or more businesses.
Our SMSF loan solutions
Whether you're buying your first fund asset or adding to your portfolio, we'll find the right loan and structure.
Existing residential SMSF loans
- Refinance existing SMSF residential loans
- Review loan terms, rates and lender options
- Help maintaining or restructuring an existing arrangement
New LRBAs generally cannot be used to buy a standard residential investment property. An SMSF can still acquire residential property using available fund cash, subject to the usual superannuation rules.
Business real property
- Business owners buying their own premises through their SMSF
- Commercial investment property acquisition
- Refinancing and restructuring of existing commercial SMSF loans
LRBA structuring and compliance
- Bare trust and holding trustee setup
- Single acquirable asset rule guidance
- Coordination with your accountant, financial planner and solicitor
Refinancing and loan reviews
- Review of existing SMSF loan terms and rates
- Switching lenders to access better deals
- Restructuring as your fund's needs change
Get support from BlueRock's SMSF experts
What our clients say
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![Testimonials Individual]()
"My experience with the BlueRock Superannuation team was seamless from the beginning"
George and his team smoothly navigated our existing funds into an SMSF, through which we were lucky enough to purchase our business premises. - Jess Nardella, Director, DuoBuilt
