Specialist Commercial SMSF Mortgage Broker. Direct Relationships With Every Active Lender. Borrow Up to 80% of Property Value.
With direct relationships across 20+ specialist lenders still actively writing commercial SMSF deals, Lionel reviews your fund structure first - so the right application goes to the right lender, and your credit file stays clean.
Direct Access to Every Lender Still Writing Commercial SMSF Deals: With relationships across 20+ specialist funders, your application goes to the right lender first time. No wasted credit enquiries, no delays chasing the wrong lender.
Your Credit File Stays Clean Until the Structure Is Right: A rushed application to the wrong lender leaves a mark. In an SMSF deal, that can cost you the whole thing. Lionel reviews your fund balance, Trust Deed, and contribution position before a single enquiry goes in.
100+ SMSF Loans Settled. Including the Complex Ones: Trust deed issues, complex income, non-standard assets. Lionel has already worked through them. Your deal is not new territory.
Complimentary 15-minute session. No obligation. No credit inquiry.
Trusted by SMSF Investors
Proven Results That Speak for Themselves
SMSF Loans Settled
Five-Star Reviews
Commercial SMSF Lenders
Star Rated on Google
Our Partners
Accredited to Compare Australia's Leading Commercial SMSF Lenders
Our Solution
Tailored Commercial SMSF Lending Solutions for Investors Ready to Put Their Super to Work.
5 Star Rated
by SMSF Investors Across Australia
Reviews
What Our Clients Say
Commercial SMSF investors who came to us with complex situations, and left with a clear path forward.
Working with Lionel was nothing short of remarkable. From start to finish, he managed the process seamlessly, securing a fantastic rate. His professional yet friendly approach, thorough attention to detail, and consistent updates made me feel completely at ease. Top-notch service I wouldn't hesitate to recommend.
SL
Scott Leano
Verified Google Review
Lionel has been amazing. Always responds to messages and calls. Guided me from the start until settlement, and even checked in after to make sure everything went well. Everything was smooth, and Gretchen was great with continuous communication throughout.
MB
Maria B
Verified Google Review
Lionel was awesome to work with. Super helpful and always available to answer our questions. He made our investment purchase feel simple and stress-free. Really appreciate all the support, can't wait to work together again.
S&M
Shafiq and Mashrufa
Verified Google Review
Amazing support from start to finish. Lionel made the whole process smooth and stress-free and helped us secure our property with confidence. Highly recommend.
P&B
Philip and Bhagyasree
Verified Google Review
My experience with MortgageWorks was smooth and seamless. Lionel was absolutely amazing and so helpful throughout the process. His knowledge and patience with me as a first time investor was confidence inspiring. I always felt that I am in capable hands. Lionel’s communication skills was also excellent, he was prompt and was always able to tend to my enquiries no matter what they were. I highly recommend engaging with Lionel and his team. I will recommend him to my friends and family, as well re-engaging with him in the near future on future goals of mine.
MA
Matthew A
Verified Google Review
Lionel and his team are absolutely amazing! If you’re looking for a broker to help, you won’t be disappointed. They go above and beyond for you! Always quick to respond (even late at night and on weekends) and kept us supported every step of the way. They made the whole process smooth and stress free. Thanks to their hard work, my husband and I got approved and couldn’t be more grateful. Thank you, Lionel and team!
TC
T Charley
Verified Google Review
We recently worked with MortgageWorks on our investment property loan, and the experience was genuinely seamless. Lionel was incredible throughout the process - knowledgeable, reassuring, and always one step ahead in explaining what we needed and why. His tutorial playback videos were so convenient and helpful especially for those of us who can watch them in our free time while juggling kids.
KL
Kim Lao
Verified Google Review
Highly professional, helpful and kind. Lionel guided us through organising all relevant documents to secure our mortgage smoothly and hassle-free within the timeframe. Thanks so much.
VB
Vinayak B
Verified Google Review
The Process
Securing Your Commercial SMSF Loan is This Simple
Step 03
We Manage the Application Through to Settlement
From submission to settlement, Lionel follows up with the lender so you do not have to. Every compliance check, every document request, every status update is handled, with the full MortgageWorks support team behind him. With an experienced SMSF Broker managing the process, you walk away with a commercial asset inside your fund and a roadmap already in place for what comes next.
Your SMSF Lending Specialist
Meet Lionel Bustamante
I help Australians use their super to buy commercial property the right way, and plan what comes after that. Most SMSF investors I speak to have one deal in mind. My job is to make sure that deal does not come at the cost of the next one.
As an experienced SMSF loan broker, I have personally settled 100+ SMSF loans across residential and commercial property. That means the structures that trip up most applications are ones I have already worked through.
I operate within MortgageWorks, a high-volume brokerage with direct relationships across 20+ specialist commercial SMSF lenders, so I can actually negotiate terms, not just submit and wait. If you want an SMSF mortgage broker who thinks past settlement, I would love to help.
100+ SMSF Loans Settled: Residential and commercial, across Australia. The experience to spot what kills a deal before it starts.
Your 5-Year Roadmap Included: Every strategy session includes a forward view of your fund's acquisition capacity so property one doesn't block property two.
FAQ
Frequently Asked Questions
Can my SMSF actually borrow to buy commercial property, or does it need to buy outright?
Your SMSF can absolutely borrow. Under a Limited Recourse Borrowing Arrangement (LRBA), your fund can borrow up to 80% of the commercial property's value, meaning you don't need the full purchase price sitting in super. Loan amounts range from $100K to $4M depending on the lender and your fund's position. Most funds that assume they're not ready are closer than they think. Lionel confirms your real borrowing capacity in the first session.
Can my SMSF buy the commercial premises my business currently leases?
Yes, and it's one of the most effective SMSF strategies available. Your SMSF purchases the property and your business pays rent directly into the fund at market rate. The key requirement is that the lease is structured at arm's length, meaning the rent must reflect genuine market value to satisfy ATO compliance. Lionel has structured owner-occupier commercial SMSF deals across both purchase and refinance, with full LRBA and ATO compliance built in from the start.
Why are commercial SMSF loans so hard to find through a regular broker?
Most lenders have exited SMSF lending entirely, and commercial SMSF is an even shorter list than residential. The majority of generalist brokers either don't have access to the specialist lenders still writing these deals, or don't know how to structure the application correctly for approval. Lionel operates with direct relationships across every active specialist funder in this space, giving him real visibility on which lenders are approving commercial SMSF deals right now.
Does an SMSF loan affect my personal borrowing capacity?
No. An SMSF loan is assessed entirely separately from your personal borrowing position. Your fund is its own legal entity and the loan sits within it, not against you personally. This means you can build a commercial property portfolio inside your SMSF while maintaining your full personal borrowing capacity for other investments or your primary residence. Most SMSF investors don't know this, and it changes the strategic picture significantly.
What happens if my SMSF gets the structure wrong?
The consequences are serious. A trust deed error, an incorrectly structured bare trust, or an ATO arm's-length breach can unwind the deal, attract penalties, and in serious cases, put the fund's tax-advantaged status at risk. This is why structure review before any application is submitted matters more in SMSF than in any other lending category. Lionel reviews your fund's trust deed, contribution position, and LRBA structure before a single lender sees your file.
