House and Land Packages now Available to SMSFs SMSF Property investment without limitations
Your SMSF can now borrow to buy land and build a house on it. We offer an innovative solution to overcome the superannuation laws that only allow the use of borrowed funds to purchase a single acquirable asset.
Trusted & Awarded
Low Interest Rate & Flexible SMSF Loans
Access Ultra-competitive SMSF loan rates with unrivalled property flexibility.
Approval for more property types including high rises, hobby farms, and agricultural operations
Residential or commercial property loans
Higher purchasing capacity and lower rates, fees and charges than other brokers.
Expert attention to the complex paperwork required for self managed super funds
Increase Your SMSF Investment Opportunities
There are very good reasons why the superannuation law regarding limited recourse borrowing arrangements (LRBA) is so strict — it’s ultimately to protect your fund’s assets. But when it comes to borrowing to purchase an asset, these restrictions can limit your investment opportunities by only allowing you to buy a single asset — meaning house and land packages are out of the question. Until now!
Borrowing for a house and land package is traditionally made up of two contracts — one for the purchase of the land and one for the construction loan — meaning it’s off-limits for SMSFs. We solve this by entering into a two-part contract to purchase the land and engage your builder on your behalf, while you enter into a one-part contract with us.
Here’s how you can expand your investment portfolio with us
Step 1
The SMSF selects the land and builder. We take care of the loan and facilitate the conversion of the two-part contract into a legally compliant one-part contract.
Step 2
The SMSF enters into the one-part contract with us by paying a deposit. We purchase the land and engage the builder to construct the building.
Step 3
Once the construction is complete, the SMSF pays us the balance with the loan that we arrange for you. The property is then transferred to the SMSF with a single contract making it legally sound.
One-Part Contract Explained Removing Investment Barriers
Superannuation law allows SMSFs to borrow funds to purchase investments on the condition that a single asset is acquired. This means house and land packages have been out of reach for SMSFs due to the nature of the finance contracts — the loan contracts come in two parts: one for the land and one for the construction. We are now able to act as an intermediary to convert the two-part contract into a one-part contract for a single asset. We convert the house and land into one asset so you can have more flexibility with your investment property choices.
Access More Investment Opportunities Without Limitations
Barriers Removed
With a solution to the single asset rule now available, you have greater choice when it comes to investments.
House & Land
With house and land packages on the cards, you can build the perfect property for your investment strategy — be it residential or commercial property.
NDIS & SDA Housing
Reap the benefits of the amazing Government incentives that come with building a specially designed NDIS home.
House & Land Packages to Fund Your Retirement Goal
By building the right house in the right area and strategically optimising your house and land purchase, your SMSF could be hundreds of thousands of dollars larger by the time you retire.
Why can’t I purchase a house and land package in my own name, then transfer it to my SMSF once it’s built and become a single asset?
This scenario breaches superannuation laws as an SMSF cannot acquire assets from a member.
Why does the property need to be a single asset or one-part contract?
SMSFs are permitted to borrow funds to purchase investments, but to protect any other assets of the fund, the loan is classified as a limited recourse borrowing arrangement (LRBA). An LRBA works by holding the single asset in a separate trust as security for the loan, so if the SMSF defaults on their loan, only the asset funded under the LRBA can be taken by the lender. For example, if your SMSF purchased land with a loan, the land is held in a separate trust. If the SMSF then built a property on the land but defaulted on the loan, the lender will have legal ownership over the original asset — being the land — that now also contains a house. The SMSF would lose all money that had gone into building the house. This example demonstrates why improvements are restricted for any assets under finance.
What if I can’t get a loan once the property has been built?
To remove risk for you, finance for your SMSF loan is guaranteed at the time of signing, with an agreed valuation.
How Our Super Fund Loan Process
Works
Our streamlined process ensures you get the best SMSF loan with minimal hassle.
Here’s how it works:
How Our Super Fund Loan Process
Works
Our streamlined process ensures you get the best SMSF loan with minimal hassle.
Here’s how it works:
Assess and Plan
We assess your situation and explore
lending options to plan your investment
strategy.
Apply and Negotiate
We manage the loan application and
negotiate with lenders to get you the best
terms and rates.
Fund and Implement
Once approved, we ensure quick
disbursement and assist with your
investment strategy, providing ongoing
support as needed.
Our Services
Whether you're looking to refinance an existing SMSF loan or need finance to buy a property investment in super, our experienced team of self-managed superannuation fund service providers can help you find the right SMSF loan.
Residential SMSF Property Loans
As a self managed super fund SMSF trustee, borrowing to purchase an investment property could be the financial kick-start you’ve been searching for. We can help you access the best finance solutions to purchase your investment. Our strategies help to maximise the growth of your SMSF residential investment property.
SMSF Loan Refinance
If your residential or commercial property loan is more than 2 years old, you could be missing out on more competitive products recently released to the market. We compare products and strategies with your finance needs, to match you with the most cost-effective loan for your circumstances.
SMSF Setup
Ensure your self managed super fund is set up correctly and compliantly. We help with the set up of your fund, all the way through to the settlement of your property - we can even organise to have your loan pre-approved before your super fund has been established.
Commercial SMSF Property Loans
Looking for a loan to purchase a commercial investment property inside of super? With access to a number of commercial loan products, we can build a tailored investment strategy for your self managed super fund commercial property investment.
SMSF Lending Strategy
Our goal is to find the right Self Managed Super Fund lending strategy for you. Investing in property within your SMSF can be complicated - Our experts help simplify the whole process.
Bad Credit SMSF Loans
Having a bad credit score doesn’t have to mean you miss out on borrowing to invest or get stuck with high interest rates. At SMSF Loan Experts, we offer lending solutions especially geared for clients with a less than perfect credit history.
Low Interest Rate & Flexible SMSF Loans
Access Ultra-competitive SMSF loan rates with unrivalled property flexibility.
Frequently Asked Questions About
SMSF Loans
Common Questions Answered
Yes, SMSFs can borrow money for property, managed funds, or shares using a
Limited
Recourse Borrowing Arrangement (LRBA)
. This process is heavily regulated, so
getting expert advice is recommended. Contact us for more details.
Navigating through property investments within an SMSF involves various
considerations such as property values, regulatory changes, interest rates, tenant
occupancy, and financial liquidity. Working closely with experienced experts can help
manage these factors effectively and ensure the stability and growth of your
investment portfolio.
ENQUIRE NOW
Free SMSF Finance Session
Contact us today, or schedule a phone meeting with an SMSF Loan Expert to make sure you get the right SMSF Lending advice 1300 781 680
Melbourne Office
Suite 2, 54 Davis Avenue
South Yarra VICTORIA 314
1300 781 680