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Self Managed Super Funds - Talk to Finetiq about SMSF Lending Solutions

Self Managed Super Fund Loan

Have you considered using the funds in your Self Managed Super Fund to invest in commercial property?

The savings you’ve built up in your Superannuation Fund can be used to make investments in a range of asset classes. By transferring your super to a new or established Self Managed Superannuation Fund (SMSF) the opportunity to use gearing to purchase property may become available.

Utilising the funds accumulated in your superannuation for property investment not only diversifies your asset portfolio but also taps into the potential of SMSF property loans.

With commercial property, it may be possible for your SMSF to purchase a property that will be occupied by your business, as long as the rent is at market rates.

Essentially this type of finance is a Term Loan with features such as flexible terms up to 30 years, the choice of principal and interest or interest only repayment, and the options of fixed or variable rates, or a combination of both.

There are many rules and regulations governing your SMSF so it’s important you get the advice of a financial professional, like your accountant or financial planner to assist you to make the right choices.

Our expertise in self-managed super fund loans ensures you receive informed advice to leverage your super effectively.

What is an SMSF Property Loan?

An SMSF property loan allows trustees of self-managed super funds to purchase property as part of their investment strategy. This type of loan can be used to acquire residential or commercial properties, with the rental income generated helping to service the loan repayments.

Benefits of Investing in Property through SMSF

Investing in property through an SMSF offers several benefits:

 

  • Tax advantages: Potential tax deductions related to property expenses.
  • Income generation: Rental income can provide a steady cash flow.
  • Capital growth: Opportunity for property value appreciation over time.
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Key Considerations for SMSF Property Loans

Before securing a self managed super fund home loan, it’s crucial to understand the associated responsibilities and legal requirements. These loans often come with specific conditions, such as the requirement that the purchased property must meet arm’s-length conditions and cannot be occupied by fund members or related parties.

How to Secure an SMSF Loan

Eligibility Criteria for SMSF Loans

To qualify for a Self Managed Super Fund loan, your fund must comply with several criteria:

  • The SMSF must be correctly structured and compliant with superannuation laws.
  • The fund must have a solid investment strategy that includes provisions for property investment.
  • The members must have a clear understanding of their roles and responsibilities in managing the fund.

Choosing the Right SMSF Loan

Selecting the right Self Managed Super Fund loan involves considering factors like loan terms, interest rates, and repayment options. It’s advisable to consult with a first home buyer broker to understand the best options available.

SMSF Loan Features and Options

Super fund loans come with a variety of features and options, such as:

  • Loan amounts: Starting from $100,000.
  • Repayment options: Principal and interest or interest-only payments.
  • Rate options: Fixed or variable interest rates, or a combination of both.

Applying for an SMSF Investment Loan

Steps to Apply for an SMSF Loan

  1. Assessment: Evaluate your SMSF’s financial position and investment strategy.
  2. Choice of Property: Identify a suitable property that complies with SMSF regulations.
  3. Loan Application: Submit an application with all required documentation.
  4. Approval and Settlement: Once approved, proceed with the purchase and SMSF home loan settlement.

Support Throughout the Process

Our team provides ongoing support to ensure that your SMSF investment loan aligns with your fund’s strategy and compliance requirements. For personalised advice and assistance, consider speaking with our specialists.

Why Choose Finetiq for Your SMSF Loan?

At Finetiq, we pride ourselves on delivering expert, friendly, and professional services tailored to your SMSF loans Australia needs. Our deep understanding of SMSF home loans and dedication to client education sets us apart.

Ready to expand your investment horizons with an SMSF investment loan? Contact us today to explore your options and find the right solution that aligns with your financial goals. 

Speak with our experts by calling 03 8560 5000 or click here to leave your details and we will get back to you promptly. Learn how easy it is to finance your future with Australia loans online and refinance mortgage solutions from Finetiq.

Harness the power of your superannuation through smart property investments. Our comprehensive self managed super fund home loan solutions are designed to meet your unique needs and help you achieve your financial aspirations.

For information about how to access lending solutions for a self managed super fund and how to buy a property using your SMSF, please call us at 03 8560 5000 or leave your details by clicking here and we will call you

Speak with our specialists today for personalised SMSF lending solutions

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