Funding your retirement:

SMSF loans

Many Australians choose to manage their own retirement nest egg through a self-managed super fund (SMSF). When looking to expand your SMSF investment portfolio, you may be considering investing in property. That’s where SMSF loans come into play. SMSF borrowing is more specialised than a standard residential loan, so it is a good idea to get an experienced broker by your side to help set up the finances correctly.

What is a self-managed super fund (SMSF) loan?

An SMSF loan is finance that enables borrowers to invest in an investment property, either residential or commercial, as part of their self-managed super fund. All proceeds from the investment are paid back into the super fund with the aim of growing the fund’s savings for retirement.

If the investment is a residential property, it cannot be lived in by a member of the SMSF or their relatives. However, a commercial property can be leased to a fund member as long as it is at market rate.

There are a number of rules around SMSF investment and it is a good idea to seek professional advice before investing.

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How does an SMSF loan work?

SMSF loans are similar to standard home or investment loans. For SMSF home loans, the term length can typically be up to 30 years and you can choose between a fixed or variable rate. Some lenders also offer interest-only repayments for a set period of time. 

An SMSF commercial loan can enable you to purchase a commercial property using your SMSF. This property can be used by you or a business partner, or leased out as an investment. There are potential tax benefits to investing in commercial property through your SMSF, which you can discuss with an adviser before making a decision.

Not all lenders offer SMSF loans, so your choice is a little more limited. The interest rates and fees may be higher than standard property loans. A broker can help you navigate these to find a competitive loan that suits your goals.

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