Maximize the power of your SMSF with tailored investment strategies. Take the first step towards securing your financial future today.
Unlock your SMSF’s potential with tailored lending solutions to invest in property and grow your wealth.
An SMSF loan or Limited Recourse Borrowing Arrangement (LRBA) allows you to leverage the funds in your self-managed super fund (SMSF) to invest in assets such as residential or commercial property. The rental income from the investment property is required to pay off the loan, and any excess return is reinvested into the SMSF. SMSF loans are specifically intended for acquiring investment assets within the fund and must adhere to the SMSF regulations set out by the Australian Taxation Office (ATO).
SMSF loans often have higher rates and are offered by fewer lenders. This is because if the fund defaults, only the property can be reclaimed by the lender—other SMSF assets or rental income cannot be used to repay the debt. Speak to one of our home loan specialists today to find the best SMSF home loan lenders for you.
Once the loan is fully repaid, the property’s legal title transfers to the SMSF. The fund can then receive rental income or sell the property, with proceeds deposited into the SMSF.
Maximize the power of your SMSF with tailored investment strategies. Take the first step towards securing your financial future today.
Set up an SMSF with a compliant trust structure and prepare documents like the trust deed and investment strategy. Work with a lender or broker to structure the loan under an LRBA.
Yes, refinancing is possible but requires transferring the existing loan to a new LRBA. Consult with a financial advisor to ensure compliance and benefits for your SMSF.
You can typically borrow 70–80% of the property value, depending on your SMSF’s financial health and the lender’s policies.
Borrowing through an SMSF can provide benefits such as leveraging your super to invest in higher-value assets, potential rental income, capital growth, and tax advantages. Rental income and capital gains within an SMSF may be taxed at concessional rates.
Most lenders require a 20%–30% deposit for an SMSF home loan, as they typically lend up to 70%–80% of the property’s value. Requirements vary, so check with lenders for specific terms.
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