SMSF Property Loans › Can my SMSF buy a commercial property and lease it to my business?

Can my SMSF buy a commercial property and lease it to my business?

Often yes. Unlike residential, an SMSF can generally buy business real property and lease it to your own business, provided the business pays market rate rent to the fund and the arrangement meets the rules.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

This is one of the most powerful uses of an SMSF for business owners, letting the fund own the premises your business operates from. The rent must be at genuine market rates and paid properly, and the rules are strict. Whether it suits your situation is a question for your accountant and SMSF adviser before you act.

The key points

An SMSF can generally buy business real property.
It can be leased to your own business.
Rent must be at genuine market rates.
The rules are strict, so get advice.

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.