Strategic borrowing for your self-managed super fund.
Investing in property through your Self-Managed Super Fund (SMSF) requires specialized lending solutions and strict compliance. We guide you through Limited Recourse Borrowing Arrangements (LRBAs) to ensure your fund is structured correctly for residential or commercial property acquisition.
Structured for compliance and growth.
Navigating SMSF lending requires precision. Here is how we ensure your strategy aligns with regulations.
Strategy Alignment
We work alongside your financial planner or accountant to ensure borrowing aligns with your SMSF investment strategy.
Lender Selection
Not all lenders offer SMSF loans. We connect you with specialized lenders who provide competitive rates for super funds.
Structuring & Compliance
Ensuring the Bare Trust and LRBA are established correctly before you commit to purchasing.
Commercial vs Residential
Your SMSF can invest in both, with unique benefits:
- Purchase commercial premises for your own business to lease
- Acquire residential investment properties
- Tax-advantaged rental income within the fund
- Potential capital gains tax exemptions in pension phase
Things to consider
Strict Compliance
The property must pass the 'sole purpose test' of providing retirement benefits to fund members.
No Personal Use
You or your relatives cannot live in or rent a residential property owned by your SMSF.
Liquidity Requirements
Lenders require your fund to retain adequate liquidity post-settlement.
Scale your super fund's potential.
Speak with an SMSF lending specialist today to explore your fund's borrowing capacity.
Request an SMSF assessment.Got Questions?
Frequently Asked Questions
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