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Commercial Property Through Your SMSF
WT Commercial helps SMSF trustees and private investors acquire industrial, office and retail property. Our team coordinates strategy, finance, sourcing, due diligence and settlement end to end.
We Make Commercial Property Simple, Strategic and Compliant
Most Australians leave their super on a default setting for decades and never ask if it's working hard enough. Commercial property is one of the more overlooked ways to change that: tenant-paid outgoings, longer leases, and income that isn't at the mercy of a single tenant's mood at renewal time. It's also unforgiving of mistakes, which is why most investors never go near it alone.
WT Commercial exists to take that off your plate. We help SMSF trustees and private investors acquire industrial, office and retail property, with a focus on durable income and long-term resilience. From strategy and finance coordination through to property selection, negotiation, due diligence and settlement, we guide you end to end, and connect you to the rest of WT Group for the SMSF setup, lending and legal work along the way.
Why Use Your Super to Buy Commercial Property?
A Self-Managed Super Fund gives you control over where your retirement savings actually go, instead of sitting in a default option chosen for you. For a growing number of trustees, that means moving part of the fund into an asset they can see, understand, and hold for the long term.
Longer Lease Terms
Commercial leases typically run 3–10 years, well beyond residential terms, so income is more predictable.
Outgoings Recovery
Net or semi-net leases mean tenants often cover rates, insurance and building outgoings, supporting cleaner investor income.
Structured Rent Reviews
Fixed, CPI-linked or market-based reviews are built into the lease from day one, not left to chance at renewal.
Genuine Diversification
An asset class most super funds barely touch, moving your fund beyond shares and managed funds.
Super on Autopilot vs. an SMSF Commercial Property Strategy
Two paths from the same starting point — one left on a default setting, one steered toward a long-term commercial asset. Same growth rate, same drawdown, very different retirement.
Superannuation only
Based on the approximate average superannuation balance for Australians retiring at age 60 (ATO and ASFA data)
Balance at 60
~ $400,000
$70K/year drawdown
Runs out partway through year 6
What happens after that?
For most Australians, the final years of retirement are spent stretched thin, on a strategy that was never going tto be enough
SMSF commercial property
Based on a $600K commercial property growing at 8% p.a over 15 years.
Property value at 60:
~ $1.90M
$70K/year drawdown
Lasts approximately 27.2 years - to around age 87.
Most WT clients hold two properties
~$3.8M combined property value
Supporting $70K/year drawdown well beyond age 114, with the added ability to transition into an income-based pension stream.
Figures are illustrative projections based on stated assumptions and are not a forecast or guarantee of any individual outcome. Speak with us to model figures relevant to your own fund.
Small-Format Commercial. SMSF-Suitable. Tenant-Led.
We focus on 50–700 m² commercial units with broad tenant appeal: light industrial warehouses, strata offices and neighbourhood retail that are flexible and easy to re-lease. The goal is consistent cash flow backed by genuine tenant demand, with exit options for both investors and owner-occupiers down the track.
Indicative prime industrial yields, H2 2025:
Sydney: 5.0–5.5%
Melbourne: 5.5–6.0%
Brisbane: 5.5–6.5%
Perth: 6.0–7.0%
Adelaide: 6.0%+
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Your path to commercial property investment
1
Strategy & Finance
We confirm your fund is ready, work out what it can borrow, and get pre-approval locked in before you start looking.
2
Sourcing & Due Diligence
We brief the search, shortlist properties against our criteria, and dig into the lease and the building before anything reaches you.
3
Negotiation & Settlement
We negotiate the deal, coordinate the contract, and manage settlement so nothing slips between parties.
4
Set-Up & Ongoing Management
We get leasing and asset management running from day one, then keep reporting and reviewing so the asset stays on track.
Join 780+ people who trust WT Group
Hundreds of reviews from people just like you
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They take all the stress and unknowns out and go out of their way to ensure you're comfortable and informed from start to finish.
I will definitely be recommending them to family and friends in the future and look forward to working with them again myself.
They are with you for the entire process and beyond. They are transparent, quick to follow up and extremely easy to deal with.
I’m glad I took the step and have begun my journey as an investor!
Carl Mullen
Aroha Pohatu
Really was a pain free experience and everyone was so patient with no pressure at every stage of the process.
Can’t recommend enough we will definitely continue to use them and I have already recommended WT cap to several of my friends and fam.
Blake Ebsworth
Jess Osullivan
Gabbi de Mamiel
FAQs
Yes, within the rules. Commercial property is one of the more common assets SMSFs hold, and your own business can lease it from your fund at market rent. We confirm whether it suits your fund's strategy and cash position before you commit, then coordinate the setup, finance and purchase.
Commercial leases tend to run longer, often 3–10 years, and frequently pass outgoings like rates and insurance through to the tenant. That can mean more predictable income, but the deposit requirements, lending criteria and vacancy risk profile are different too, which is exactly what we walk you through before you buy.
It depends on the property and your fund's position, so there's no single number. Commercial SMSF lending typically asks for a larger deposit than residential, and a smaller pool of lenders will write it. We assess your fund's numbers on a strategy call and give you a straight answer, then coordinate the finance through WT Finance.
Every property is assessed against location and access, building fundamentals, lease quality and exit liquidity, before we look at price. If it doesn't hold up on the fundamentals, we don't put it in front of you.
We get clear on your fund's position and goals, look at what it can realistically afford, and tell you honestly whether commercial property is the right move. No obligation, no hard sell.
Start Your Commercial Property Strategy
Book a free 15-minute strategy call. We'll look at what your SMSF can afford, whether commercial property fits your fund, and what a realistic next step looks like. No obligation.