Building Long-Term Wealth with Self-Managed Super Fund Loans

SMSF LOANS

Building Long-Term Wealth with Self-Managed Super Fund Loans

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Buying a property through a self-managed superannuation fund can be a very shrewd financial decision, because you can use the power of leverage to significantly increase your retirement savings. SMSF loans work differently from traditional home loans, because regulations are stricter and there are fewer lenders in the market. But don’t worry – Azura Financial will hold your hand through the process, to make sure you get a positive outcome.

The Benefits of SMSF Property Investment

SMSFs have become increasingly popular among Australians who want more control over their retirement savings. SMSF property investment allows you to use leverage to acquire property, which is generally not an option for people who save for retirement in professionally managed funds. There are also great tax benefits of investing in commercial and residential property within an SMSF. Business owners have the added advantage of being able to purchase a business premises in their SMSF and lease it to their business.

The Benefits of SMSF Property Investment

WHO IS AZURA FINANCIAL

Our Highest Priority Is Your Financial Well-Being

At Azura Financial, our award winning team’s number one objective is to empower our clients to strategically navigate the lending landscape and achieve their goals.

Buying Property Through Your SMSF

If you want to buy a property through your SMSF, it needs to meet the ‘sole purpose test’, which means the sole purpose of the investment should be to provide retirement benefits to the SMSF’s members. It also needs to fit your SMSF’s investment strategy and risk profile. Assuming you need an SMSF loan to finance the purchase, the money must be borrowed through a bare trust under a limited-recourse borrowing arrangement. Make sure you seek professional advice if you are looking to buy property through an SMSF.

Should I Buy a Property Through an SMSF?

For SMSF property investment to be right for you, the benefits need to outweigh the costs. Two big positives are that you can potentially grow your superannuation savings faster than if you didn’t use leverage; and, potentially, lease the property to your business. Two considerations are that, compared to buying a property outside super, the process is more complicated and interest rates are higher. So it’s important you seek professional advice.

Buying Property Through Your SMSF

Should I Buy a Property Through an SMSF?

Hear from our clients

Rated 5 Stars with 400+ Reviews

"Azura were fantastic from the first touchpoint. They immediately impressed with a very comprehensive first email detailing my mortgage options, and never went downhill. They were always responsive and were extremely proactive - I didn’t need to chase anything down as they were always on the front foot regarding next steps. I got a good loan and settled on a house with ease, courtesy of the great Azura team."

Kate Carrel

August 2023

SMSF LOANS