Self Managed Super Fund (SMSF) loans & LRBA (Limited Recourse Borrowing Arrangement)

With my background as a Financial Planner, I understand SMSFs well and can offer diverse loan options that provide significant value beyond what a typical Mortgage Broker offers.

Family life is busy, and managing your SMSF often takes a backseat to other priorities. For many, the annual SMSF submission to the ATO can feel overwhelming. Plus, since you can’t access your SMSF funds for many years, it’s easy to adopt a “set and forget” mentality and overlook refinancing options. However, just like any other loan, your SMSF loan deserves regular review. Lowering your loan interest can significantly benefit your fund's growth, leading to better retirement outcomes and options. It’s definitely worth considering refinancing your SMSF loan, especially if your existing interest rate isn’t competitive or your financial situation has changed since you took out the loan.

 Benefits Of Purchasing In An SMSF

• Rental income is taxed at the rate of 15%
• After 12 months the capital gains tax rate is 10%
• Loan repayments met by rental income and superannuation contributions and not from PAYG income
• Ability for business customers to own their work premises in an SMSF (not residential), potentially creating opportunities for expansion and growth.

 Restrictions Of Property In SMSF

• Residential property MUST be purchased at “arms length”
• Negative geared SMSF investments cannot be offset to PAYG income
• Cannot reside in the property at any time (no holiday homes)
• Cannot access any equity if there is capital growth
• Refinancing can only be done on a $ for $ basis

Four Common Mistakes

• Contract of sale signed before setting up structure
• Exchange contracts with incorrect names noted
• Purchasing with little or no deposit funds held in SMSF account
• Purchasing property on multiple titles

I offer comprehensive lending solutions tailored to your SMSF finance needs, empowering you to make informed decisions in your best interest. By maximizing your retirement savings, you can enjoy more options—whether it’s taking overseas holidays, upgrading your car, or helping your future grandchildren with a house deposit.

As a former Financial Planner / Adviser, I understand how retirement savings affect your lifestyle, and I recognize that everyone’s needs are unique. I can assist you in reducing interest and fees on your existing SMSF loan or finding a more competitive option. Keep in mind that even a small fee saving today can have a significant impact on your retirement savings down the line, thanks to the power of compounding.

If you haven’t reviewed your SMSF loan in the past two years, now is a great time to do so. Just contact me at 0425 349 916—my services are free of charge. Thank you.

Professional memberships

• Member Mortgage & Finance Association of Australia (MFAA)
• Certified Financial Planner CFP® (Non-Practicing) Financial Advice Association Australia (FAAA)

Academic Qualifications

• Master of Applied Finance (Financial Planning - MAppFin (FinPlan)
• Advanced Diploma of Financial Services (Financial Planning)
• Self-Managed Superannuation Funds (SMSF)
• Diploma of Financial Services (Financial Planning)
• Diploma of Financial Services (Finance/ Mortgage Broking)
• Certificate IV of Financial Services (Finance/ Mortgage Broking)

Disclaimer

The information on this website is provided for factual purposes only and does not consider your personal objectives, financial situation, or needs. Before making any decisions based on this information, you should consult your own Financial Adviser, Accountant or Tax Advisor.

Click here to find out what others are saying about us