Buy your business premises
Stop paying rent to a landlord. Many SMSFs hold the premises their own business trades from — commercial is the property type the rules still allow.
SMSF commercial property
Residential is closed. Commercial isn’t.
Know your number before you bid. A free 15-minute capacity call tells you what your fund could borrow — before you’re standing at an auction.
How the capacity call works
Book 15 minutes
Pick a time that suits and answer five short questions about your fund — that's the homework done.
Nick runs your numbers
Your fund's balance, contributions and target price go through his borrowing-capacity toolkit before the call.
Get your provisional figure
You hang up knowing your indicative capacity — the number you can take into a negotiation or auction.
What you walk away with
The call ends with numbers, not vibes. Nick runs your fund through the same toolkit shown here — and the output is yours to keep.
Your written report
A branded lending assessment prepared for your fund — the numbers, the workings, the next steps.
Your price ladder
The maximum price your fund could support, state by state, after transfer duty and costs.
A live walkthrough
Nick shares the numbers on screen during the call, so scenarios get tested while you're talking.
Sample shown — your fund’s numbers are yours. Indicative capacity only, not pre-approval.
What you’ll need for the call
- Your SMSF's approximate balance
- Roughly what goes in each year (contributions + rent)
- The price range you're looking at
- The property type — office, warehouse, your own premises
- Your timeframe — browsing, bidding soon, or under contract
Buy a commercial investment
Offices, warehouses, retail and industrial — with residential closed, commercial is where SMSF property demand moved.
Refinance a commercial SMSF loan
Already hold commercial property in your fund? Refinance lanes are open — the calculator works for commercial rates too.
Who runs the numbers
Nick Clunes at The Lending Lab — a broker accredited across the SMSF commercial lending panel. The capacity figure comes from his internal toolkit, which models lender servicing rules across the panel. The toolkit and its lender detail stay internal; what you get is the number and the next steps.
Credit Representative 530711 · Australian Credit Licence 387856 · ACN 651 936 337
The honest frame: a provisional capacity figure is indicative — not pre-approval, not advice, and not a guarantee any lender will lend. Final capacity depends on full assessment, the property, and lender policy at the time.
Thinking past this purchase?
The same toolkit plans property #2 and #3 — mapping when the next purchase becomes possible and what it takes, so one acquisition doesn’t stall the next.
The capacity solver
Your fund's numbers tested against lender servicing rules to find the price that works — before you fall in love with a property.
The Game Plan
A multi-property roadmap: when property #2 or #3 becomes possible, and the deposit, loan and LVR each step needs.
Sample screens — figures shown are an example fund, not yours. Indicative capacity only, not pre-approval.
Common questions
Yes. The August 2026 changes closed most new residential SMSF lending, but limited recourse borrowing for business real property — offices, warehouses, retail, your own business premises — remains available from non-bank lenders.
A free 15-minute call with Nick Clunes at The Lending Lab. He runs your fund's numbers through his borrowing-capacity toolkit and gives you a provisional capacity figure — an indicative number, not a pre-approval — so you know your range before you bid.
In many cases, yes — business real property leased to your own business is a well-established SMSF strategy, subject to ATO rules including arm's-length rent. The call covers whether the numbers work for your fund.
No. It's an indicative figure based on the information you provide and current lender policy — final capacity depends on a full assessment, the property, and the lender. It is not pre-approval and not advice.