Is SMSF Lending Right for You?
Borrowing to purchase residential or commercial property through your Self-Managed Super Fund (SMSF) can be a powerful way to grow your retirement wealth. However, SMSF lending comes with strict ATO rules, complex structures and ongoing compliance requirements.
Crucial Advice: Consult a Professional
Due to the complex rules and regulations, it is essential to consult with a qualified financial adviser and accountant before considering an SMSF property loan.
What You Need to Know Before You Borrow
Before your SMSF can purchase a property, you’ll need to understand:
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The legal and compliance rules surrounding SMSF borrowing
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Setup and ongoing management fees
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The “sole purpose test” and how it affects what you can purchase
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Restrictions on improving the property
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Required loan structures (for example, a bare trust arrangement)
We help simplify the lending process, but your accountant and financial adviser will guide you on whether it is the right strategy you.
Our SMSF Lending Process
Get Professional Advice
Understand Your Strategy
Lender Research
Application & Documentation Support
Ongoing Review & Support
Speak with your accountant and financial adviser to confirm SMSF borrowing suits your goals.
We work alongside your advisors to ensure we understand your strategy and long-term goals.
We compare lenders to find the right structure with competitive rates that fit with your investment strategy.
SMSF loans involve extra paperwork, we guide you through each step to make the process smooth and compliant.
Once your loan has settled we encourage annual reviews to ensure it remains in line with your goals and we regularly review your interest rate.
Already have a SMSF property loan?
If your SMSF purchased a property several years ago, now is a great time to review your loan. Lending policies and interest rates change over time and refinancing could help you save significantly over the life of the loan. Remember, the goal of SMSF borrowing is to build wealth for retirement, not to create negative gearing benefits.
SMSF Lending FAQs
Here are answers to common questions about how SMSF lending works.
Ready to Explore SMSF Lending?
Whether you're looking to purchase a property or review an existing SMSF loan, we’re here to help you make informed decisions for your retirement future.
Important Information: This information is general in nature and does not take your personal financial situation into account. You should seek advice from a qualified accountant and financial adviser before proceeding with SMSF borrowing.