🏢 How Can You Buy Commercial Property Using SMSF?
🏢 How Can You Buy Commercial Property Using SMSF? Investing in commercial property through your Self-Managed Super Fund (SMSF) is one of the most tax-efficient ways to grow your wealth—especially if you're a business owner looking to secure your future. With the right structure and advice, it’s possible to buy a commercial property, pay rent to yourself, and build long-term returns for retirement. Here’s how it works and what you need to consider. ✅ Why Buy Commercial Property with an SMSF? 1. No Landlord – You Pay Rent to Yourself When your SMSF owns your business premises, your rent goes into your super fund—not someone else’s pocket. It’s a clever way to turn an expense into a retirement-building asset. Rent paid to your SMSF is taxed at just 15%, while leasing expenses remain deductible—usually capped at 46.5%. 2. Tax Benefits Hold the property for over 12 months? You’ll only pay 10% capital gains tax on the sale. Sell during pension phase? You pay zero capital ga...