Case study · Commercial SMSF finance

Funding a warehouse transfer into a new SMSF

A business wanted to transfer an industrial warehouse from its asset-holding entity into a newly established self-managed super fund. Write Finance arranged commercial SMSF lending at 80% LVR over 20 years.

80% LVR

Loan-to-value ratio secured

20 years

Term of the commercial SMSF loan

Non-bank

Lender used for this transaction

The client

The same business. A different property structure.

This was the same client featured in our partner exit and workshop expansion case study. Its structure included a trading business, an asset-holding entity and a family trust.

The challenge

Several related entities to account for

The industrial warehouse was tenanted by the trading business. Its ownership needed to move from the asset-holding entity into a new self-managed super fund (SMSF), with each related entity accounted for in the lending application.

Our approach

Using the lease and fund income to support the loan

We arranged a commercial SMSF loan through a non-bank lender. The existing lease agreement verified rental income, alongside declared SMSF contributions and income self-certification.

01.

Existing lease

Used the lease agreement to verify the warehouse’s rental income.

02.

Fund income

Included declared SMSF contributions and income self-certification.

03.

Non-bank lending

Arranged commercial SMSF finance for the proposed ownership structure.

The outcome

80% LVR finance over a 20-year term

The client secured commercial SMSF lending at an 80% loan-to-value ratio (LVR) over 20 years. The loan provided funding to support the warehouse ownership transfer into the new fund.

Talk to Write Finance

Considering SMSF finance for business property?

Tell us about the property, lease and entities involved. We’ll explain the lending requirements and work alongside your professional advisers where needed.

This is a past client outcome. Property transfers, SMSF suitability, tax and legal matters require advice from your qualified advisers. Finance depends on the property, fund and lender assessment.