Astute people like to make their own investment decisions, particularly for long-term strategies.

One investment choice is to purchase property. With traditional Superannuation funds this is not an option.

A Self-Managed Superannuation Fund (SMSF) loan can assist you with the purchase of your investment property whether it be a residential, commercial or rural property. We have access to financiers who can fund up to 80% of the value of a residential property and up to 70% for commercial or rural properties. SMSF legislation imposes restrictions on residential properties in that they must be investment and cannot be owner occupied or rented to a related party. Commercial and rural properties however can be leased to related parties provided there is a lease on commercial terms.

We have assisted a number of business's to obtain finance within their Self-Managed Superannuation Fund to purchase their business premises & lease it back to their business. This enables them to utilise funds held in their SMSF as a deposit towards the property purchase as well as securing their business premises for years to come. 

We have also assisted many individuals purchase residential investment properties in their Self Managed Super Fund either as an alternative to or in conjunction with other investments such as shares. Again, funds held in the SMSF are utilised as a deposit towards the residential investment property.

A Self-Managed Superannuation Fund and a Holding Trust are required to be established. Your accountant or financial advisor may be able to assist you with this or, because we have extensive experience in this area, we also have access to companies who can assist you with this process. In some cases, the lender may have a process to do this for you.

Some of the benefits of borrowing to purchase property in a SMSF include:

• Using your superannuation as a deposit to enter the property market.
• Gearing your superannuation investment to acquire assets that you may not have been able to purchase outright.
• Leverage your investments to potentially generate greater returns and accelerate growth in your wealth.
• Diversify your super investment portfolio.
• Assist in securing your long term financial future with assets that potentially have a long term growth expectation.

We are specialists in the field of arranging Self-Managed Superannuation Fund finance and are fully accredited with the peak industry body MFAA.

Applying for finance within an SMSF can be complex but we take the pain out of it for you. Because of our experience and the fact that we deal with various lenders, each with differing policies, we are well placed to determine which bank is likely to be the most suitable for your particular circumstance.