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SMSF medical & allied health suite purchase

Buy your own premises through your SMSF (LRBA)

  • Broker-led guidance from strategy to settlement
  • Options across banks and specialist SMSF lenders
  • Clear steps, documentation help, fewer surprises
Sydney broker for SMSF medical suite purchases
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SMSF lending for medical and allied health suites

$300K to $10M

We’re a broker, which means we can assess options across different lenders and policies. SMSF property lending isn’t one-size-fits-all—rates, deposit requirements, property types, and acceptable tenant/lease structures can differ significantly. Our job is to help you explore suitable pathways and manage the process end-to-end so you can stay focused on patients and your practice.

Purpose-built for SMSF property loans

We coordinate lender requirements with your accountant, SMSF administrator, and solicitor.

Wide lender network

Access to banks and specialist SMSF property lenders with varying policies and risk appetites.

Practical approach

Clear documentation checklists, realistic timelines, and guidance through valuations and conditions.

SMSF lending solutions for practice premises

We manage the SMSF property finance process on your behalf. This includes lender selection, application preparation, documentation coordination, and settlement support. Our role is to help you explore suitable finance options while working to streamline the approval process for an SMSF medical or allied health suite purchase.
We assist with:

  • Medical and allied health suite purchases
  • Commercial strata and office suites
  • SMSF LRBA lending (limited recourse)
  • SMSF refinance and loan restructuring
  • Bare trust and security trustee coordination
  • Lease-back setup support (with your advisers)
  • Valuation and lender condition management
  • Pre-approval style assessments (where available)

We work to ensure the finance structure fits your SMSF strategy and lender policy while aligning with your practice’s cash flow. You focus on your patients and operations—we manage the lending process and keep each step moving.

Contact us today
SMSF commercial property loans for medical suites
Limited Recourse Borrowing Arrangements (LRBA)
Leasing the suite back to your practice (related-party rules)
SMSF refinancing & restructuring
Preparing for approval: documents, timelines, and property risks

SMSF commercial property loans for medical suites

SMSF loans for medical and allied health suites are typically treated as commercial property lending. Lenders often focus on the property type, location, valuation strength, lease terms, and the SMSF’s overall financial position. A clinic suite in a well-located medical precinct may be viewed very differently to a niche property with limited resale demand.
We help you prepare a lender-ready submission, including the SMSF’s financials, member details, contributions and liquidity position, and the property information required for assessment. We also help you anticipate common lender questions such as: is the property suitable security, will the lease be acceptable, and does the SMSF have buffers for outgoings and vacancies?
Because lender policies vary, we compare options based on your scenario—deposit expectations, acceptable lease structures, settlement timelines, and how each lender treats medical and allied health tenancy.

Limited Recourse Borrowing Arrangements (LRBA)

An LRBA is the structure commonly used when an SMSF borrows to acquire property. The “limited recourse” element generally means the lender’s security is limited to the property being acquired (subject to the loan terms), which is why lenders can be strict on documentation and structure.
We can guide you through what the lender will typically require, including the correct borrowing entity structure, evidence that the SMSF deed allows borrowing, and the right sequence of documents prior to exchange and settlement. We also help you understand where delays often occur—security trustee setup, solicitor review, valuation timing, and lease documentation.
We don’t provide legal or tax advice, but we work closely with your accountant, SMSF administrator, and solicitor to keep the finance side aligned with the LRBA requirements and the lender’s conditions.

Leasing the suite back to your practice (related-party rules)

Many medical and allied health buyers want the SMSF to own the premises and lease it to their practice. This can be possible under SMSF rules when handled correctly, but lenders and advisers will expect the lease to be set up and evidenced properly.
From a lending perspective, lease terms can impact servicing, valuation outcomes, and the lender’s comfort with the property’s income profile. Your advisers may also emphasise market rent evidence, arm’s-length terms, and clear payment records.
We help you factor the lease into the finance strategy early—so you’re not scrambling at the final stages. That includes coordinating what the lender typically asks for (draft or executed lease, rental appraisal/market evidence, tenancy details, and cash flow information) and aligning timelines across all parties involved.

SMSF refinancing & restructuring

If your SMSF already owns a medical or allied health suite under an LRBA, refinancing may be considered to improve pricing, adjust loan features, or move to a lender that better fits your ongoing needs. In practice, SMSF refinances can be documentation-heavy and often involve a full reassessment: updated financials, new valuation, lease review, and confirmation that the structure remains compliant.
We help you compare refinance options across lenders, explain likely costs and timeframes, and manage the process so the changeover is controlled. We also help identify common friction points—valuation shortfalls, policy changes since the original purchase, and lender-specific requirements for security trustee and loan documentation.
Our focus is to help you assess suitability and navigate the process efficiently, while your accountant and solicitor confirm the legal/tax implications for your SMSF.

Preparing for approval: documents, timelines, and property risks

SMSF property finance tends to move slower than standard home lending, and medical suite purchases can add extra layers (strata reports, fit-out considerations, specialised tenancy, and valuation sensitivity). The best outcomes usually come from preparing early and controlling the sequence—especially if you’re close to exchanging contracts.
We help you build a practical plan: what the lender will likely need, what your SMSF administrator and solicitor should be preparing, and what to expect at each milestone (indicative assessment, valuation, conditional approval, document issue, and settlement).
We also flag common property-related risks that can affect lender appetite—non-standard zoning, small strata lots, high vacancy risk, limited comparable sales, or restrictive use cases. Where possible, we’ll steer you toward lenders more aligned with your property profile and timeline, and we’ll be upfront about trade-offs.

Our lending partners

Established SMSF and commercial lending network

We work with major banks and specialist SMSF/commercial property lenders. This access allows us to support both straightforward and complex SMSF medical or allied health suite purchases.
Our lender relationships provide policy insight and can support informed negotiation discussions.
We prioritise transparency and suitability in every recommendation.

Expert brokers for construction finance

Every construction project is different. Your land position, builder, income structure, credit profile, and experience all affect lender decisions. That’s why we focus on personalised advice, not generic quotes.

We provide clear guidance, realistic timeframes, and proactive support from application to completion.

Understand capacity

Understand your potential borrowing capacity before committing to land or building contracts.

Explore options

Understand your borrowing capacity before committing to land or building contracts.

Construction loan specialists

Dedicated brokers who manage progress payments, variations, and lender requirements.

Frequently Asked Questions

Yes—an SMSF can generally purchase a commercial property such as a medical suite or allied health rooms, as long as it fits the SMSF’s investment strategy and the purchase is made and held for genuine retirement benefits. The property must be acquired and managed on an arm’s length basis, with the right ownership structure, leases, and documentation in place. We’ll work with your accountant/SMSF administrator to align the lending, contract details, and settlement steps with common SMSF compliance requirements.
Often, yes—provided the arrangement is set up correctly. If your SMSF owns the medical or allied health suite and your practice (or related entity) leases it, the lease typically needs to be at market rent, properly documented, and administered like any third‑party commercial lease (rent paid on time, reviews handled, outgoings treated correctly). This is one of the most common goals we see: securing long-term premises while building superannuation wealth through commercial property.
Most SMSF purchases using finance are structured as a Limited Recourse Borrowing Arrangement (LRBA). In simple terms, a separate holding trustee (bare trust) holds the property on trust for the SMSF until the loan is repaid. The “limited recourse” part means the lender’s security is generally limited to that property (not other SMSF assets), subject to the loan terms. We help coordinate the lending pathway with your solicitor and SMSF professionals so the finance structure, timing, and documents match what lenders and SMSF rules require.
Plan for a meaningful cash contribution from your SMSF plus transaction and setup costs. In most SMSF commercial purchases with lending, you’ll typically need funds for the deposit, stamp duty, legal/conveyancing, lender fees, and LRBA-related establishment costs (bare trust documents, trustee company if used). You’ll also want buffers for vacancies, fit-out timing, and initial outgoings. We’ll map your likely cash requirements early so you can avoid settlement pressure and keep the SMSF’s liquidity healthy.
Lenders generally assess the property and the lease just as much as they assess your SMSF. Key considerations often include: location and demand (medical precincts, hospital proximity), quality and length of lease (including options), tenant strength (your practice or third-party), whether rent is clearly supportable at market rates, vacancy risk, and the property’s suitability for resale. We’ll help you present the deal clearly—lease terms, rental evidence, outgoings, and valuation expectations—so you’re not surprised mid-approval.
Before you commit, make sure the lease supports both compliance and bankability. Practical items to review include: current rent and how it was set (market evidence), rent review clauses, options and notice dates, who pays outgoings, make-good obligations, incentives, vacancy provisions, and whether the permitted use matches the suite’s real-world operation (e.g., allied health, pathology collection, specialist consulting). Your solicitor should review the lease; we’ll also flag common lender questions so you can address them before valuation/credit.
Vacant medical suites can be financeable, but they can be harder—because the lender must be comfortable with the income profile and reletting risk. If you’re planning a fit-out, timing matters: settlement, fit-out costs, occupancy, and when the lease starts (especially if your practice will be the tenant). We’ll help you plan a lender-friendly sequence and ensure you’re not relying on unrealistic assumptions. Where specialist fit-outs are involved, we’ll also check how the lender views the property’s broader marketability.
The biggest issues we see are avoidable with early coordination. Common pitfalls include: signing the contract in the wrong name/entity, setting up the bare trust too late, not documenting the lease properly (or not paying rent on time), and not aligning the purchase with the SMSF’s investment strategy and liquidity needs. We’re a broker—not your accountant or solicitor—so we don’t provide legal or tax advice. What we do is work closely with your chosen SMSF professionals to keep the finance, structure, and settlement process consistent with how these transactions are typically executed in Australia.
Yes. We speak with people each week who are working through the same questions—buying a consulting suite or allied health space inside super, understanding LRBA lending, and making sure the lease and structure are set up properly. We’ve helped many clients navigate the lender process for SMSF medical and allied health suite purchases, including coordinating with their accountant, SMSF administrator, and solicitor so approvals and settlement run smoothly.
Yes—let’s start with a quick phone call first, or you can submit your details via our free quote form so we can review your SMSF position and the property details. Our team supports clients across Australia, including Sydney, Melbourne, Brisbane, Perth, Adelaide, Hobart, Canberra, Darwin, and major regional centres nationwide. If an in-person meeting makes sense after the initial call, we’ll organise it where practical.

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