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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.
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.
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What is an SMSF loan?
A SMSF is able to borrow money to purchase investments. An SMSF loan is when money is borrowed by a Self Managed Super Fund and its trustees, from a third party lender, and is used to purchase an investment — often property — with the goal to increase the SMSF members' retirement savings.
How does an SMSF loan work?
When an investment property is purchased with an SMSF loan, the property is held in trust for the SMSF until the loan is repaid. This is called a Limited Recourse Borrowing Arrangement (LRBA) and exists to protect the other assets held by the SMSF in the event that the loan is defaulted on. If the loan is unable to be repaid, the lender can legally take only the property held in trust.
Can you refinance a SMSF loan?
Yes. Just like a regular home loan, refinancing is an option. However, there are strict SMSF loan refinancing regulations set out by the ATO that need to be adhered to in order to remain compliant. It is not possible to increase the loan amount — you are simply replacing the original loan. While repairs to the property are appropriate uses of the loan, you are unable to ‘improve’ an asset, so refinancing with the goal to renovate isn’t allowed.
Can I occupy the property?
SMSFs are generally not allowed to lease property to a related party, which means you are unable to live in a residential property that has been purchased for an SMSF. Doing so would breach the “in-house asset rule” and could have severe consequences for the fund. However, if you have a business, a commercial property can be leased to the related business by the SMSF.
What is an SMSF loan?
A SMSF is able to borrow money to purchase investments. An SMSF loan is when money is borrowed by a Self Managed Super Fund and its trustees, from a third party lender, and is used to purchase an investment — often property — with the goal to increase the SMSF members' retirement savings.
How does an SMSF loan work?
When an investment property is purchased with an SMSF loan, the property is held in trust for the SMSF until the loan is repaid. This is called a Limited Recourse Borrowing Arrangement (LRBA) and exists to protect the other assets held by the SMSF in the event that the loan is defaulted on. If the loan is unable to be repaid, the lender can legally take only the property held in trust.
Can you refinance a SMSF loan?
Yes. Just like a regular home loan, refinancing is an option. However, there are strict SMSF loan refinancing regulations set out by the ATO that need to be adhered to in order to remain compliant. It is not possible to increase the loan amount — you are simply replacing the original loan. While repairs to the property are appropriate uses of the loan, you are unable to ‘improve’ an asset, so refinancing with the goal to renovate isn’t allowed.
Can I occupy the property?
SMSFs are generally not allowed to lease property to a related party, which means you are unable to live in a residential property that has been purchased for an SMSF. Doing so would breach the “in-house asset rule” and could have severe consequences for the fund. However, if you have a business, a commercial property can be leased to the related business by the SMSF.
SMSF Loan Experts' Services
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