SMSF Borrowing — Breathe Finance Melbourne
Self Managed Super Fund Borrowing
We have extensive experience with SMSF borrowing structures for commercial property purchases and residential SMSF refinancing — helping you invest smarter through your super.
What we can help with
Get it right with the right team
Using your SMSF to purchase commercial property — including business premises — can be a powerful wealth-building strategy. Whether you're looking to hold a commercial investment or have your business occupy the property, we can help structure the transaction correctly.
We also assist with residential SMSF refinancing — if your fund already holds residential property and you're looking to refinance the existing loan, we can help you find a better deal and manage the process.
SMSF borrowing is a complex area of finance. The rules are strict and the consequences of getting it wrong can be severe. Breathe Finance will work alongside your financial and legal advisors to ensure the structure is right from the outset and the right lender is matched to your needs.
With extensive experience in this space, we know what lenders are looking for and how to navigate the process efficiently — so you can focus on the investment, not the paperwork.
Our Process
Initial Consultation
We assess your SMSF's eligibility, investment strategy, and borrowing capacity for commercial property.
Lender Selection
We identify lenders with appetite for SMSF commercial lending and match the right product to your needs.
Structure Setup
We work with your financial and legal advisors to ensure the bare trust and LRBA structure is correctly established.
Settlement
We manage the loan process through to settlement, keeping all parties informed along the way.
Commercial purchase or residential refinance via SMSF?
Speak with us early — getting the structure right from the start is critical.