SMSF Loans for Residential Property

Use your Self Managed Super Fund to grow your investment for retirement

One of the investment options available to SMSF members is residential property investment. As long as this aligns with the fund's investment strategy and risk profile, members can use funds from their SMSF to buy an investment property.

Whether you have an existing SMSF or are in the process of setting one up, there are products suitable for those looking to purchase or refinance residential investment properties as a single aquirable asset within their SMSF

Along with your deposit contribution, an SMSF loan lets you use your SMSF to buy an investment property. Your superannuation contributions and the rental income go towards paying for the investment property loan. With an SMSF, the expenses for the property investment will be paid for by the fund. No need for any out-of-pocket expenses.

Since you’ll be using your SMSF, you won’t have immediate access to any rental income or any capital gains. The profit you get from properties you buy through your SMSF loan can be reinvested back into your Fund or accessed when you retire.

Specialists in Limited Recourse Borrowing Arrangements

While there are clear guidelines about what your Fund can do and can't do, borrowing to invest within your SMSF follows similar fundamental principles as borrowing to invest outside your fund.

Some of the key benefits of borrowing within an SMSF to invest in property are:

Increased Purchasing Power

Loan Repayments

Asset Protection

Tax Concessions

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interest rates

The comparison rate provided is based on a loan amount of $250,000, term of 25 years, principal & interest repayment. It only applies to the examples given. Different amounts and terms will result in different Comparison Rates.