SMSF Loans

Property valuation can be likened to a science, using facts, mostly comparable sales in this case, to ascertain the value of a property offered as security for a loan to a lender. How much a specific security property is worth will define how much the said lender is willing to lend against it. Each lender in Australia has a valuers panel, which is made of all the valuation firms around the country that meet this lender's requirements. When a loan application is received (or,

SMSF Liquidity requirements are a relatively new feature of most SMSF loans that can reduce your SMSF's borrowing capacity. To understand how liquidity requirements work - and how you can reduce the impact on your borrowing capacity - we'll start by defining just what 'liquidity' means. In terms of SMSF lending, liquidity or liquid assets simply refers to the available cash or shares sitting in your self managed super fund. Most lenders are interested in making sure that -

The simple answer is YES, SMSFs are allowed to invest in all manners of collectibles including but not limited to cars and other motor vehicles. The list would also include things like jewellery, art, stamps, wine and more… The main challenge with these investments is to ensure that the SMSF owning them stays compliant and it has all to do with the sole purpose rule which according to the ATO: Read more from the ATO about the sole purpose test. In practice, that means that

Can you access super to buy a house in Australia? Do you want to know more about acquiring a self-managed super fund (SMSF) property? You’ve come to the right place! Purchasing commercial or residential property through SMSF as an investment can be the perfect structure for you to maximise your retirement nest egg while minimising tax costs.  As market-leading SMSF experts , we can help. And yes, the short answer is that you can indeed use super to buy an investment propert

Today we look at how your SMSF structure works once you’re ready to make an investment property purchase using a an SMSF Loan given to your fund. Generally speaking, your fund can borrow up to 80% of the value of a residential property. Super contributions and investment property rental income flow into your Self Managed Super Fund, while loan repayments are made from the fund. This means that the trustees are having the property paid off by their Super with having to make