SMSF Property Investment

We know that as a proactive Australian looking to supercharge your retirement savings, you’re always searching for smart ways to leverage your Self-Managed Super Fund (SMSF). And let’s be honest, few things sound more enticing than securing a brand-new asset using your super, especially one that you can purchase today at tomorrow’s price.We’re talking about off-the-plan property investment. It’s a strategy that can deliver incredible wealth-creation benefits, but—and this is

If you’re using your Self-Managed Super Fund (SMSF) to invest in property, you’re looking to build your retirement wealth, and that means generating income. Simple, right? Well, when you combine property, superannuation law, and bank lending, things get a little more complicated than just having a roof and four walls. For a lender, and for the Australian Taxation Office (ATO), your property doesn’t just have to be a property—it must be demonstrably ‘Rent-Ready’ or ‘Ready to L

When it comes to property investment, it’s all about location, location, location.You’ve probably heard it a million times, but it’s true. The location of your investment property does about 80% of the heavy lifting in terms of rental yield and long-term capital growth. Finding the right neighbourhood can help you generate wealth.But when you bring a Self-Managed Super Fund (SMSF) into the mix, that old real estate mantra gets an extra, non-negotiable layer: .In SMSF property

Sitting down to map out your next move in property? You’ve likely found yourself stuck between two very different investment paths: the familiarity of an established property and the shiny appeal of a new build home.If you want to leverage the powerful vehicle of a Self-Managed Super Fund (SMSF), this choice is more than just a preference. It’s also a critical strategic decision that impacts everything from your tax return and cash flow to your ability to secure SMSF loans . 

The process of using super to buy property often feels intimidating and confusing. You’ve likely heard a dozen conflicting opinions about the types of properties you can buy inside your super. You’ve probably asked tons of questions: “ And that confusion, frankly, stops many smart Australians from ever taking the leap.As your SMSF lending specialists, we understand that frustrating lack of clarity. Buying property with super is one of the most powerful decisions you can make

As SMSF lending specialists, we spend a lot of time helping Australians navigate the rules and, frankly, the myths that swirl around using a super to build wealth. One question that pops up again and again—usually asked by a member looking for an investment opportunity—is: “Can I buy an established property with my SMSF? ”The simple, powerful answer is: Yes, you absolutely can! Read on to learn more about this critical topic. When you’re armed with facts, you will find it eas

When it comes to building your retirement nest egg, you’ve probably heard a lot about different investment strategies. A common starting point for many SMSF trustees is to look at defensive assets like cash and bonds. Many people see these assets as safe and sensible, but it pays to understand what they are, what they do, and, more importantly, what else might be missing from your investment portfolio. Understanding Cash Investments Let’s start with cash investments. In the

It’s an exciting time to be an Australian with an SMSF or self-managed super fund. Over the past few years, we’ve seen a significant shift in how people manage and grow their retirement savings. More and more Australians are taking control, and a big part of that has been the surge in people opening new SMSF trading accounts.This trend shows a great sense of financial empowerment. People are getting hands-on with their super, choosing their shares, and digging into the market

Are you at that stage in life where you start to think seriously about your retirement? Do you feel like your super could be working harder for you? It’s a common feeling, and you’re not alone. The good news is that with a Self-Managed Super Fund (SMSF), you have a powerful, hands-on way to take better control of your retirement savings.The data speaks for itself. Recent research shows that SMSFs have, on average, outperformed APRA-regulated funds over the past two years. Th

It’s June already, and here comes the ‘headache’ tax season again for everyone who is concerned. One of the most talked-about topics in this year’s tax season is Division 296 in SMSF news. Designed to impose an additional tax on superannuation balances exceeding $3 million, this proposed policy has raised concerns across the sector, particularly from the SMSF Association and individual trustees alike. In this guide, let SMSF Loan Experts break down what the upcoming Divisi

Having your superannuation work harder for you and pave the way for a more comfortable and secure future is not a far-fetched idea. A Self-Managed Super Fund (SMSF) offers this very control and opportunity. But the term “self-managed” can intimidate most people. Let’s clear the air right away: the concept of self-managed doesn’t mean you’re in this alone. A successful SMSF involves laying a solid foundation—and that’s where expert SMSF administration services can help.  While

Wondering whether you can buy a second property through your Self-Managed Super Fund (SMSF)? You’re not alone. More Australians are exploring property as a long-term wealth strategy, and using super to buy an investment property is becoming increasingly common. But how does it all work? What are the rules around purchasing another property with your superannuation fund? Let’s break it down. Can I Use My Super to Buy a Property? The short answer is yes, you can. However, it mu

While there are many expenses associated with owning investment properties that can be used as a tax deduction , property depreciation is an eligible deduction that requires you to do nothing but own the property (no outlay of cash required!). However, in order to claim depreciation as a deduction, a tax depreciation schedule is required. Understanding how a tax depreciation schedule works can help investors maximise their deductions and improve their cash flow. What Is Tax D

While overseas markets provide relatively simple investment options for things like shares, ETFs and unit trusts, purchasing direct property internationally comes with a lot more complexities for investors. While it is possible, the strict rules and risks involved often make Australian property a more practical and compliant investment choice over international investment properties purchased via SMSFs. Learn more below. Why SMSFs are Exploring Overseas Property For Their SMS

Our very own Michael Maiolo graced the stage of the 2024 Australian Mortgage Awards , ending 2024 on a high note. He received the Pepper Money Broker of the Year – Specialist Lending award. This recognition speaks volumes of Michael’s expertise & dedication to specialist lending, particularly in Self-Managed Superannuation Fund (SMSF) & National Disability Insurance Scheme (NDIS) lending. The Awardee: Michael Maiolo At 25, Michael has already established himself as a leading

Understanding self-managed superannuation funds A self-managed superannuation fund (SMSF) is a private superannuation fund that allows individuals to take direct control of their retirement savings. Unlike industry and retail super funds, SMSFs are entirely self-managed, with members assuming responsibility for the fund's operations and investment decisions. An SMSF can have up to six members, and each member must also act as a trustee or, alternatively, as a director of a c

With various types of superannuation funds available, it’s important to understand their differences so you can choose the option that best aligns with your financial goals and lifestyle. In this article, we’ll explore the different types of super funds, including self-managed super funds (SMSFs) and how property investment can play a role within an SMSF. What is Superannuation and Why Does it Matter? Superannuation exists to provide funds for people to live on once they reti

Self-Managed Super Funds (SMSFs) have become an increasingly popular vehicle for Australians looking to take control of their retirement savings, particularly through property investments. With evolving market dynamics and emerging trends, SMSFs are presented with a range of property investment opportunities that offer potential returns and long-term stability. From commercial property to sustainable developments and specialised housing, these key trends highlight the ways SM

Self-Managed Super Funds (SMSFs) are becoming a popular vehicle for investing in property. However, when it comes to making changes or improvements to that property, there are strict rules and regulations that must be followed. These rules are in place to ensure that the sole purpose of the SMSF — providing for your retirement — is upheld. In this article, we’ll outline what you can and can’t renovate when you own a property through your SMSF. Understanding SMSF Property Rule

Each year, trustees of self-managed super funds (SMSFs) must value the fund's assets at their 'market value.' Before you submit your SMSF annual return (SAR), your fund's SMSF auditor must verify that the assets are valued correctly. They will also assess and document whether the valuation basis is appropriate.As an SMSF trustee, you have a legal obligation to value and report each asset’s market value every single year. The ATO is checking data to identify SMSFs reporting th