Unlock the investment potential of your Self Managed Super Fund
Discuss your options with our Self Managed Super Fund lending specialist.
Talk to a SMSF Lending specialist.
Expand your investment options with an SMSF loan
Considering a residential or commercial investment for your SMSF? Our dedicated SMSF lending specialist is here to help, from the initial concept right through to settlement, ensuring you meet every lending requirement with confidence and ease.
Commercial Property Loans
Thinking about using your SMSF to secure a commercial property, whether for your own business or a pure investment? Our SMSF lending expert will work hand‑in‑hand with your accountant and financial adviser to craft a loan structure that fits seamlessly into your business or investment strategy.
Residential Investment Loans
You can purchase residential investment properties through a self-managed super fund. Consult with our SMSF lending expert to explore your options.
Why use an SMSF lending specialist?
SMSF borrowing is tightly regulated, and only a select group of lenders operate in this niche. A dedicated specialist understands the fine print, knows which lenders will accommodate SMSF deals, and coordinates effortlessly with your professional team to deliver a smooth, compliant lending experience.
Key benefits & advantages
- Save valuable time: Instead of hunting for the handful of lenders that accept SMSF borrowers, pinpoints the right lending option right away
- Clarity amid complexity: Cut through the SMSF lending rules and property purchase steps with clear guidance from start to finish.
- Ongoing support and review: After settlement, they monitor and negotiate interest rates to identify refinancing opportunities, ensuring your SMSF loan remains competitive over the long term.
SMSF Loans FAQ's
Can I operate my own business through a commercial property
purchased through my self-managed super fund?
Yes. This is a popular strategy for business owners to buy business premises. If your self-managed super fund has enough cash, you can purchase the property outright. If not your SMSF can seek a Limited Recourse Borrowing Arrangement (LRBA) to help purchase the property which your business then leases.
What is a Limited Recourse Borrowing Arrangement (LRBA)?
A Limited Recourse Borrowing Arrangement (LRBA) is a special type of loan that allows your Self-Managed Super Fund (SMSF) to borrow money to purchase property. The property is held in a separate trust, known as a bare/custodian trust, until the loan is repaid.
If the SMSF defaults on the loan, the lender’s recourse is limited to the property held in the bare trust, and protects other assets of the SMSF are protected.
Can I live in a residential property I purchase through self-managed super?
No. There are strict criteria for investing in residential property through self-managed super. You cannot purchase a primary residence, construct a new home or live in the property. Your accountant or financial advisor can provide specific advice regarding your options.
Chris Luu
Lending Specialist
Talk to our SMSF lending specialist.
Avenyou can help you navigate the challenges of investing in property using your SMSF. Request a call-back today.