Buying a premises with your business partner

Ana Reilly • August 30, 2026

Buying a premises with your business partner

Maybe the property you require is above your individual credit limits and using both incomes and other equity is needed.


Having two unrelated parties who trust each other does give you a lot more flexibility.  Some of the structure options are:


Your own names as partners, you could even add spouses to the title.

Set up a trust, Fixed Unit Trust is best.  Both partners will own the units in the trust, ie. this is their equity contribution.  The trust can borrow the funds.


Set up an SMSF together and use the SMSF to buy the property

Using a Fixed Unit Trust, both partners set up their own SMSF and buy units in the trust.  SMSF provide the equity, the trust borrows the funds.


I would not recommend buying the premises in your trading entity.  This way your asset is protected from any potential liability or solvency issues in your trading entity.


There are a few more issues, feel free to reach out if you would like to learn more.



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