Self Managed Super Fund Loan
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A Self Managed Super Fund (SMSF) Loan is a home loan used by a self-managed super fund to buy investment property. The returns on the investment – whether that’s rental income or capital gains – are funneled back into the super fund, increasing your retirement savings.
This can be a Fixed Rate Home Loan or a Variable Rate Home Loan.
We have access to more than 30 Australian mortgage lenders. We offer a wide range of options -see our Home Loans Page for other mortgage options.
Our mortgage brokers have specialised software that can quickly find and compare investment mortgages.
Use our Mortgage Calculator to help budget for purchasing property, determine monthly repayments for proposed purchases and see how different terms and interest rates will affect your monthly repayments.
You can only buy property through your SMSF if you comply with the rules.
According to ASIC’s Moneysmart the property the property needs to comply with the following:
- Must meet the ‘sole purpose test’ of solely providing retirement benefits to fund members
- Must not be acquired from a related party of a member
- Must not be lived in by a fund member or any fund members’ related parties
- Must not be rented by a fund member or any fund members’ related parties.
However, your SMSF could potentially purchase your business premises, allowing you to pay rent directly to your SMSF at the market rate.
See the Australian Taxation Office’s webpage on self‑managed super funds for more information.
Please call us on 02 9453 0300 or enquire online and we will complete a needs analysis, work out which lenders you qualify with and give you several options to choose from.
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