SMSF Loans

An SMSF Loan is a specialised loan product intended for a self-managed super fund (SMSF) to purchase investment property in its name. With this loan, an SMSF can borrow funds to invest in residential or commercial properties, which are then held in trust for its members.

The rental income and capital gains generated by such investments must be reinvested back into the SMSF. Consequently, this strategy enhances the superannuation for your retirement savings. SMSF property is arguably the best tax incentive with a concessional tax rate of 15% in accumulation phase and no tax in pension phase.

Key benefits are:

• Secure your financial freedom by investing in property.
• Deposit paid out of your superannuation balance not your personal savings.
•  Huge tax benefits including no tax on gains/ income in retirement.
• Ongoing costs (i.e. SMSF administration) are paid out of your super balance and tax deductible.
• Lender has “Limited Recourse”, ensuring your SMSF assets are protected.
• Pay all setup costs out of your super balance, without cutting into your household budget.