Commercial property purchases

Turn your rent into a long‑term asset

Many business owners lease their commercial premises for years, paying rent without building long‑term wealth. In many cases, there is an opportunity to change this - by purchasing the property and creating a clear pathway from tenant to owner. 

At Bizally, we work closely with business owners to help them acquire commercial property in a tax‑effective and strategic manner. With the right structure, your business can continue to operate from the premises you know, while ownership sits in a more efficient long‑term vehicle.

Purchasing commercial property through superannuation

One effective strategy for eligible clients is purchasing a commercial property through a Self‑Managed Super Fund (SMSF) using a Limited Recourse Borrowing Arrangement (LRBA). 

In simple terms, an SMSF can acquire a commercial property by contributing available superannuation funds as a deposit and borrowing the balance from a lender. The loan is “limited recourse”, meaning the lender’s security is restricted to the property itself - not your other superannuation assets or personal assets. 

Once purchased, the business can lease the property from the SMSF at market rates. This allows:

• Rent payments to go back into your superannuation
• Superannuation balances to potentially grow over time
• Greater control over your business premises
• Long‑term asset ownership aligned with retirement planning

This strategy must be carefully structured and comply with superannuation, tax and lending rules. Not every business or SMSF will be suitable, which is why specialist advice is critical.

Let’s explore whether this is right for you

Bizally has extensive experience assisting business owners to assess, structure and implement commercial property purchases through superannuation. Even if your super balance isn’t enough on its own, we can explore alternative options with you involving your personal assets, business and super fund, designed to help you build wealth while protecting your retirement savings. We work alongside lenders, brokers and legal advisers to ensure every step is compliant and aligned with your broader financial goals. 

If you are currently leasing your premises and would like to explore whether your superannuation can purchase a commercial property, we encourage you to contact us. We’re always here to assist and help you plan with confidence for the future.