Investing with SMSF
Self-managed super funds (SMSFs) offer a unique opportunity to invest in property for retirement, but the lending rules can be complex. We simplify the process, helping you take advantage of SMSF loans while staying compliant with regulations. Whether you’re just starting to explore the idea or ready to secure an investment, we’ll guide you through every step, ensuring your super is working hard for your future.
Key principles of SMSF lending
Understand borrowing rules
SMSF loans come with strict borrowing conditions, including including Limited Recourse Borrowing Arrangements (LRBA), which means the lender only has recourse to the property itself.
Assess SMSF eligibility
Not all SMSFs qualify for property lending. I’ll help assess whether your fund meets the legal and financial criteria.
Choose the right lender
Many banks have withdrawn from SMSF lending, but we have access to specialist lenders who still offer competitive SMSF loan products.
Calculate Loan-to-Value Ratios (LVRs)
SMSF loans typically require a higher deposit (20-30%), so understanding your fund’s liquidity is key.
Plan for cash flow & repayments
Since superannuation laws restrict cash contributions, ensuring the SMSF has sufficient income to cover loan repayments is crucial.
Book a discovery call - it’s complimentary!
Let’s talk! Book a call with our team, it’s the perfect first – or next – step toward achieving your financial goals.