We offer specialised Self-Managed Super Fund lending services, guiding you to find the right loan to help your super needs.
SMSF’s can only borrow under an LRBA, meaning the lender’s recourse is limited solely to the asset being purchased, not other fund assets
The property must be held in a separate holding (bare) trust until the loan is repaid, with correct establishment and documentation
The loan must relate to one single acquirable asset (or a collection of identical assets with the same market value, e.g. units in the same trust)
The investment must be for providing retirement benefits to members – Personal use or indirect benefit is prohibited
All SMSF lenders will require the borrowing SMSF to demonstrate sufficient ongoing cash flow to meet repayments and provide member benefits. Most lenders will require liquidity to cover shortfall
The SMSF’s documented investment strategy must specifically allow for borrowing and property concentration risk
Let us delve into it for you.
We will find the best deal for your situation, taking the stress out of SMSF lending.
SMSF lending is complex and subject to strict legislative and compliance requirements under superannuation and taxation law. We do not provide financial, taxation or legal advice. Any information provided in relation to SMSF lending is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before proceeding with a SMSF loan or property purchase, you should seek out independent advice from a suitably qualified licensed financial adviser, registered tax agent and solicitor to ensure your strategy is appropriate for your circumstances and complies with all relevant laws. Establishment of SMSF structures and lending arrangements should only occur after receiving such advice.