It’s the ultimate business dream: owning your own premises. No more rent inspections, no more lease renegotiations, and the freedom to fit out the space exactly how you want.
In 2026, the commercial property market is seeing a "flight to quality." While C-grade office space struggles, industrial warehouses and "sheds" remain in high demand. For established business owners, the question is: do you sign another 5-year lease, or do you take the leap?
The SMSF Strategy
One of the most powerful wealth-creation strategies for business owners is purchasing premises through a Self-Managed Super Fund (SMSF).
- The Structure: Your SMSF borrows money (via a Limited Recourse Borrowing Arrangement) to buy the building.
- The Tenant: Your business signs a commercial lease with your SMSF.
- The Benefit: You pay market rent to yourself. Your business gets a tax deduction for the rent expense, and your Super Fund receives the income, taxed at a concessional rate (usually 15%).
The "Rent Vesting" Reality
Even outside of Super, the math often stacks up. With commercial loan rates stabilising, your monthly interest repayment can often be comparable to your rent. The difference is, one builds equity, the other builds nothing.
Capital Growth & Stability
Owning gives you certainty. You can invest in heavy machinery installation, solar upgrades, or custom fit-outs without the fear of a "Demolition Clause" in a lease forcing you to move.
Ready to be your own landlord? Book a consultation with Geared Finance to model your borrowing capacity for commercial property.
