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Smsf Loans And Property Investment

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SMSF Loans and Property Investment.

It would seem SMSF loans have become an increasingly popular way to access the capital required to get a foothold on the property ladder.

Why are SMSF loans so appealing?

Just as SMSFs offer the chance to take charge of your super, SMSF loans give you the opportunity and flexibility to enter Australia’s heated property market. Changes in superannuation laws mean SMSFs are now permitted to borrow money to buy residential or commercial real estate. This strategy is proving popular with small business owners. It also makes SMSF loans an attractive option for first home buyers who find themselves priced out of the residential property, as well as older folks looking to secure their retirement future with a “buy now and hold” approach. With a concessional tax rate of 15% in the accumulation phase and no tax in the pension phase, investing in SMSF property is arguably the best tax incentive around.

SMSF Related Party Loans vs. Third-Party Loans

Australians tend to be unaware of the advantages offered by related party loans, typically choosing the costlier option and engaging a third-party lender. Regardless of whether you choose a related party or third-party loan, or a combination of the two, it’s critical you structure the transaction in an efficient, timely, and compliant manner.

Did you know?

With our in-house mortgage broking division we bridge the gap between the countless phone calls and emails between lender and accountant making your refinancing and borrowing much less stressful.


We can help.

SMART Business Solutions is a registered financial services provider with a strong working knowledge of SMSFs. We are perfectly positioned to guide you through the SMSF loans process in collaboration with our in-house mortgage broker, selecting the most suitable lender for your needs, and buying an SMSF property.


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