Buying investment property with a SMSF is becoming increasingly popular in Australia, but it is a complex kettle of fish that comes with strict rules and requires careful consideration.

A self-managed super fund is effectively a savings account for your retirement that you manage yourself (and with your licensed advisors), rather than one that is managed by a superannuation provider. It involves a lot of energy and responsibility, which some people thrive under and others struggle with.

SMSF lending is complex, so it’s essential you use a mortgage broker, accountant, financial planner and solicitor or conveyancer who understand SMSF property purchases. You want a technical specialist in this space, a finance broker who knows their way around SMSF loans, and lucky for you, we are just that!

If you’ve spoken to your financial planner or other specialist advisor and you’ve both decided a SMSF property investment is right for you, we can help you get your loan over the line. If you are yet to speak with one, we can point you in the right direction to one of our trusted partners!

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SMSF Residential & Commercial Property Finance

SMSFs can be used to purchase commercial and residential property as part of an investment strategy to fund your retirement. The property can then be leased to a third party (independent tenant), or if it’s a commercial property, you can lease it to your own trading entity as an owner occupier.

SMSF loans are a secured type of finance with limited recourse borrowing arrangements (LRBA) using a holding trust, commonly known as a “Bare or Custodian Trust”. They are also difficult to refinance, so keep that in mind when weighing up your options. All that said, these loans can be a great add to your portfolio.

SMSF’s are strictly governed under the SIS ACT and it’s important to note that the information above is of a general nature only and not to be used as advice.

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