SMSF – Investment Loans
Unlock the potential of your retirement savings with a Self-Managed Superannuation Fund home loan.
SMSF lending gives you the freedom to invest in property using your super, offering control, flexibility, and long-term wealth-building opportunities. While the rules around borrowing through an SMSF can be complex, I’m here to help you navigate the process with confidence and structure a solution that aligns with your goals.
Build Wealth for Retirement
Property tends to grow in value over time and can generate rental income. When held in your SMSF, these earnings go back into your retirement savings—potentially tax-advantaged and compounding over the years.
Tax Benefits
Rental income is taxed at just 15% within the SMSF.
Capital gains may be taxed at 10% if the property is held for more than 12 months.
Once your fund enters retirement phase, income from the property may become tax-free.
Control and Flexibility
With an SMSF, you choose the investment, the lender, and the strategy. You’re not relying on fund managers, you’re in the driver’s seat.
Diversification
Including property in your SMSF allows you to spread risk across different asset classes, especially helpful if your existing super is heavily weighted in shares.
Things to Consider Firstes Here
Strict borrowing and compliance rules apply (e.g. limited recourse borrowing arrangements).
The property must meet specific condition, it generally can’t be lived in by you or your relatives.
Setup and ongoing admin costs can be higher.
Let’s make something amazing together
Geoffrey Whitelock is a credit representative (570779) of Broker ACL Pty Ltd ACN 681 761 375 (Australian Credit Licence 563763). The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation and party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.