Self Managed Super Fund Lending

 

Did you know that you can buy property with your super using a self-managed super fund (SMSF).

Did you also know you can borrow to buy property in your SMSF using your current super as a deposit.

Using your SMSF to buy a property requires a different home loan structure and process. SMSF home loans use a ‘limited recourse’ borrowing arrangement, involving a separate property trust and trustee outside the SMSF structure. The lender holds the property in the trust as security. This means the SMSF must meet all loan repayments and the lender will use the expected rent, investment income and historical superannuation payments to determine the loan servicing capacity.

Unlike regular investment loans, your personal income, assets, liabilities, living expenses and age are not necessarily taken into consideration but are required to show your profile on the loan.

If you are interested in investing in property via your SMSF, it’s important to have an experienced and knowledgeable team around you. We can help – reach out for a chat about your loan options today. 

 

P: 0434 546 800 | E: dayle.boyer@mortgagechoice.com.au 

For some more detailed information try our Guides page.

For some hand calculators try our Calculators page.