SMSF Lending

Secure an investment property with SMSF loans

An SMSF loan is a home loan used by a self-managed super fund (SMSF) to buy investment property. The returns on the investment such as rental income or capital gains are then funnelled back into the super fund, increasing your retirement savings.

Following recent changes in legislation, super fund trustees can now take out an SMSF loan to acquire any asset they would be permitted to invest in directly. All investments need to be made in the best interests of fund members and in accordance with the laws around SMSF borrowing. This means that the property investment should have an income stream and realistic prospects for capital growth.

If you are considering an SMSF loan, we advise caution before just jumping in! The rules are still fairly strict and decision making can be complex. Our finance brokers can help you understand the requirements and compare SMSF loan products so that you can identify the options that best fit your needs and your retirement goals.

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