SMSF Residential Property Loans
Self-Managed Super Funds (SMSFs) can be powerful wealth-building tools when used to invest in residential property. Our SMSF specialists guide you through the complex regulations while maximizing your investment potential.
Why SMSF Property Investment?
Tax Benefits
- Concessional tax rates within super
- Potential capital gains tax exemptions
- Tax-deductible borrowing costs
- Rental income within super environment
Control & Flexibility
- Direct control over investment decisions
- Choose your own property and timing
- Strategic portfolio building
- Long-term wealth accumulation
Retirement Planning
- Build substantial retirement assets
- Diversify beyond shares and cash
- Benefit from property growth
- Generate retirement income streams
SMSF Lending Structure
Limited Recourse Borrowing
- Compliant LRBA structures
- Bare trust arrangements
- Single acquirable asset rules
- Protection of other fund assets
Loan Features
- Up to 80% LVR available
- Interest-only options
- Competitive SMSF rates
- Terms up to 30 years
Eligible Properties
Investment Properties
- New and established residential properties
- Houses, units, and townhouses
- Off-the-plan purchases
- Residential development sites
Compliance Requirements
- Sole purpose test compliance
- Related party transaction rules
- Rental to members restrictions
- Market value acquisitions
Our SMSF Process
1. Strategy Review
- SMSF goals and objectives
- Fund capacity assessment
- Property selection criteria
- Compliance check
2. Structure Setup
- Bare trust establishment
- Legal documentation
- Compliance procedures
- Professional team coordination
3. Property Search
- Market analysis
- Due diligence support
- Valuation coordination
- Contract review
4. Loan Application
- SMSF-compliant application
- Specialist lender submission
- Documentation management
- Approval coordination
Compliance Considerations
Key Rules
- In-house asset restrictions
- Sole purpose test requirements
- Member benefit rules
- Audit and reporting obligations
Professional Support
- SMSF accountant coordination
- Legal structure advice
- Audit requirement management
- Ongoing compliance monitoring
Investment Benefits
Tax Efficiency Maximum 15% tax rate on rental income and capital gains.
Long-term Growth Build substantial retirement wealth through property appreciation.
Income Stream Generate tax-effective retirement income in pension phase.
Portfolio Control Direct control over investment timing and property selection.
Why Choose Our SMSF Service?
- SMSF Specialists with years of experience
- Compliant Structures ensuring regulatory adherence
- Competitive Rates from specialist SMSF lenders
- Professional Network of accountants and lawyers
- Ongoing Support throughout the investment journey
Get Started
Ready to explore SMSF property investment? Our specialists will assess your fund's capacity and guide you through the process.
SMSF lending is complex and requires professional advice. This information is general in nature and doesn't constitute financial advice.