If you're looking to invest in commercial property through your Self-Managed Super Fund (SMSF), you may be wondering whether it's possible to borrow the full amount. The good news is, with the right financial structure and security, it is possible to borrow 100% for commercial property. At WizWealth, we help SMSF investors unlock this opportunity and build wealth through smart property investment strategies.

Can You Really Borrow 100% for a Commercial Property?

While most lenders allow SMSFs to borrow up to 70–80% of a property's value, there are ways to extend your borrowing capacity. With additional security offered outside of your SMSF—such as equity in a residential or commercial property held in your personal name, a trust, or company—you can effectively borrow the full purchase price. This means your SMSF does not need to provide a cash deposit, preserving funds for other investment opportunities or liquidity needs.

How Borrowing 100% Works in an SMSF Structure

To borrow 100% for commercial property, the lender will typically use a two-part security arrangement. The first part is a limited recourse loan secured against the commercial property purchased by the SMSF. The second part involves cross-collateralising an external property owned outside the super fund. This dual-security approach reduces risk for the lender and enables full funding for the purchase within your SMSF.

Benefits of 100% SMSF Borrowing for Commercial Property

One of the key advantages of borrowing 100% is that it allows you to acquire valuable property without draining your SMSF’s available cash. This is particularly helpful for business owners who want to buy their own premises through their SMSF. Leasing the property back to your business at market rent is not only legal under superannuation rules, but can also be a highly tax-effective strategy.

Another benefit is control. SMSF trustees have the power to choose the property, set lease terms, and decide on long-term investment goals. Rental income earned by the SMSF is taxed at just 15%, and in the retirement phase, that income—and any capital gains—may be tax-free, subject to regulatory compliance.

Things to Consider Before Borrowing 100% for Commercial Property

Although this strategy can be powerful, it does come with important considerations. Your SMSF must be compliant with all superannuation laws, including the sole purpose test and arm’s length rules. You must also ensure that the lease terms, if renting to a related party like your business, reflect true market value. Lenders may also require strong personal financial backing, good credit, and a robust exit strategy.

This type of borrowing is not suitable for everyone. It requires expert advice and careful planning to avoid costly mistakes and ensure the strategy aligns with your retirement goals.

How WizWealth Can Help You Maximise SMSF Borrowing

At WizWealth, we specialise in SMSF strategies for commercial property. Our team has helped clients across Australia access tailored finance solutions, including 100% borrowing options with the right structure and lender. We handle everything from initial advice to loan setup, compliance, and ongoing support.

Whether you’re an investor or business owner, we can help you use your SMSF to build long-term wealth through commercial property—without compromising your fund’s liquidity or compliance.

Start Your SMSF Property Journey Today

If you're ready to explore how to borrow 100% for commercial property, reach out to WizWealth today. We’ll help you assess your eligibility, structure the loan correctly, and guide you through every step of the investment process.