Invest in Property Through Your Self-Managed Super Fund
A Self-Managed Super Fund (SMSF) may provide eligible investors with the opportunity to invest in property as part of their retirement strategy. SMSF property lending has specific rules and lending requirements, so choosing an appropriate finance structure is important.
Fortune Finance Services helps clients explore SMSF property loan options and understand the finance process, lender requirements and key considerations before proceeding.
Finance Options for Eligible SMSF Investors
Finance Options for Eligible SMSF Investors
Whether you’re considering residential or commercial property, we can help you explore suitable SMSF lending options based on your circumstances and investment objectives.
SMSF Property Purchase
Understand potential lending structures for purchasing an investment property through your self-managed super fund.
Residential Investment Property
Explore finance options for eligible residential property investments through an SMSF, subject to applicable superannuation and lending requirements.
SMSF Property Refinancing
Explore refinancing options where an existing SMSF property loan may benefit from a different lending structure or competitive terms.
Commercial Property Investment
SMSF lending may be available for eligible commercial property purchases, including property that may be used by a business, subject to applicable rules.
Approval & Settlement
Following lender approval, the loan progresses towards settlement in coordination with the relevant professionals involved in your SMSF and property transaction.
Why Consider SMSF Property Finance?
SMSF property investment may be considered by eligible investors who want to build their retirement portfolio through property.
Potential benefits may include:
- Greater control over investment decisions
- Ability to invest in eligible property
- Potential portfolio diversification
- Structured long-term investment opportunities
- Potential commercial property investment for an eligible business
Important: SMSF property investment is subject to superannuation laws, investment strategy requirements and strict borrowing rules. You should obtain appropriate financial, legal and tax advice before making an investment decision.
FAQ
Frequently Asked Questions
Can I use my SMSF to buy property?
An SMSF can potentially invest in eligible property, subject to superannuation legislation, the SMSF’s investment strategy and applicable borrowing rules. Professional financial and legal advice should be obtained before proceeding.
What is an SMSF loan?
An SMSF loan is a specialised borrowing arrangement that may allow an eligible SMSF to purchase certain assets, including property, subject to strict legal and lending requirements.
Can an SMSF borrow to buy commercial property?
Potentially. SMSFs can invest in eligible commercial property, and borrowing arrangements may be available subject to the relevant superannuation rules, lender criteria and transaction structure.
Can my business use a property owned by my SMSF?
In certain circumstances, an SMSF may be able to invest in business real property that is then leased to a related business, provided the arrangement complies with applicable superannuation laws and requirements.
How much can I borrow through an SMSF?
Borrowing capacity depends on factors such as the property’s value, rental income, SMSF financial position, loan structure and lender requirements. Each application is assessed individually.
What documents are needed for an SMSF loan?
Requirements vary between lenders but may include SMSF financial statements, trust documentation, identification, property details, contribution information, rental income details and other supporting financial documents.
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