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SMSF Property Loan

SMSF Property Investment

A growing number of Australians are taking control of their retirement planning and switching to SMSFs to help meet their property investment goals.

An SMSF loan or Limited Recourse Borrowing Arrangement (LRBA) allows you to leverage the funds in your self-managed super fund (SMSF) to purchase an investment property. 

An SMSF home loan lets you leverage the funds in your self-managed super fund to purchase an investment property. Any rental income or capital gains from the property are reinvested, and can only be accessed at retirement.

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Advantages of SMSF investments

  • Potential tax savings: All earnings and contributions are taxed at 15%. When members reach 65 years of age, all contributions, earnings and pension payments are tax-free.
  • Asset protection: Assets within the SMSF are protected from creditors if the members go bankrupt.
  • Opportunity: Ability to buy property you cannot otherwise afford.
  • Investment yield: Potential for high returns.
  • Investment diversification: Diversification of investment portfolio beyond traditional assets like stocks and bonds.

Risks of SMSF Investments

There are a few risks associated with SMSF loans that you’ll need to be aware of. 

  • Higher costs: SMSF home loans tend to be more expensive than traditional property loans.
  • Cash flow issues: You’ll need to make sure your SMSF’s bank account has enough cash flow to cover all expenses relating to the loan. This includes loan repayments, insurance, rates, and stamp duty.
  • Cannot make alterations to the property: While repairs and maintenance to the property are allowed, you won’t be able to make any renovations that would change the character of the property until the loan is paid off.
  • Tax losses: You won’t be able to offset any tax losses from the property against the taxable income you receive outside the fund.

Speak to Shore Financial about SMSF lending




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