SMSF finance for hospitality and accommodation premises

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. On hospitality the borrowing rules are the same every time and the property is what changes: a corner pub, a motel, a holiday park and a cellar door are four different assets, and the lender list is different for each.

We arrange commercial property finance from $50K up to $30M. Inside a fund, hospitality and accommodation are specialised security and generally gear between 65% and 75% of the value, so the fund provides the rest as its own deposit.

Yes, it is possible, and we arrange these. It is also one of the more intricate purchases in commercial finance, and the detail is what decides whether it works. A self-managed super fund with no more than six members may acquire business real property from a related party at market value, so a venue owner who holds the freehold in their own name can sell it to their own fund. The price has to be market value supported by an independent valuation, and transfer duty generally applies. From 10 August 2026 a new arrangement can only be used for business real property. Cross-collateralisation is not available inside super, so the fund provides its own deposit and the 100% LVR structures available outside super do not apply here. Talk to our team. We arrange the finance, tell you which lenders will take your premises as SMSF security and on what terms, and bring in the SMSF specialists and licensed advisers who set the fund side up.

The test is whether the property is used wholly and exclusively in a business. A pub trading as a pub meets it. A residence on the same title that someone lives in generally does not. Settle that before you offer. Your accountant and the fund auditor confirm the position. We can tell you which lenders will take the property as SMSF security once they have.

Yes. The lease has to be in writing at market rent supported by an independent appraisal, and the rent has to actually be paid. Rent below market, or rent that is not paid, is non-arm's length income and is taxed at the top marginal rate. Your accountant sets the figure and a valuer supports it.

No. A limited recourse arrangement funds the acquisition of one asset and its repair and maintenance, not an improvement. A new kitchen, an extension or a gaming room fit-out is an improvement, and the fund pays for it from its own other money rather than from borrowed money.

The licence sits with the entity that runs the venue and holds the approvals, which is the operating company rather than the fund. The fund holds the land and the building and leases them to that company. Your licensing adviser and solicitor confirm the licence position; we arrange the finance on the property.

No. The arrangement funds a single asset, so the fund buys the land and the building. Gaming machines, the kitchen, the cool rooms, the furniture and the stock are financed separately, outside the fund. Ask the valuer what has been included in the property figure before you rely on it.

If part of the building is lived in, the property is generally not used wholly and exclusively in the business, and a fund cannot acquire it under a new arrangement. Where the rooms are used in the business rather than lived in, the position can be different. Settle it with your accountant and the fund auditor before contracts are signed, and we can arrange the purchase outside super where it will not work.

Generally no. An apartment let through a letting pool is residential property rather than business real property, so a fund cannot acquire it from a related party and lenders will not write it as SMSF security. A motel run as a business does qualify, because it is used in a business rather than let as housing. We can arrange the purchase outside super instead.

No. The major banks left SMSF lending some years ago, so these purchases are written by specialist and non-bank lenders. That shapes the rate, the fees and the paperwork, and it is why the lender list matters more on a fund purchase than on an ordinary one.

Four to six weeks from application to settlement is realistic for a straightforward venue purchase, and longer inside a fund, where the trust deed, the holding trust and the fund auditor are all part of the approval. Licensed premises take longer again. We give you a timeline for your specific property before you commit to a settlement date.

Most lenders writing SMSF loans require a corporate trustee for the fund and a separate corporate trustee for the holding trust. Your accountant and solicitor set both up. We tell you what the lender you are going to needs before you start.

Before contracts are signed, and the order is state based. In Queensland and South Australia the deed is executed before the contract; in New South Wales, Victoria, Tasmania and the ACT it follows. The contract is signed by the holding trust trustee rather than the fund trustee. Getting the order or the name wrong can mean duty twice, so your solicitor drives it.

Identification, the contract or property details, the fund's trust deed and recent financial statements, member balances, the venue financials, and the draft lease. Licensed premises add the licence. A park adds the site mix and occupancy. A brewery or winery adds the schedule of what is fixed to the building and what is not.

Most of the time, no. Where a purchase needs significant preparation or is unusually complex, and an SMSF purchase sometimes is, a small mandate fee may apply, and we will always tell you plainly before any work begins.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever your premises are located, we can arrange your finance.

Yes. We explain what the fund can and cannot do, tell you which lenders write your venue type and on what terms, and work to the timeline your accountant and solicitor set. We know this sounds complicated, and we can assist to make things clearer.