Buying inside your super fund
SMSF lending is a specialist area that requires a separate and distinct assessment from standard investment lending.
Looking to buy property in super?
Investing in property through your Self-Managed Super Fund (SMSF) is a complex and highly regulated process involving lenders, accountants, and financial advisers. The key challenge is structuring the loan correctly and securing approval from a suitable lender.
Whether property belongs in the fund is a question for the trustees, their accountant and their financial adviser. The lending is a separate piece of work. It is the piece we do.
Lending arranged in isolation has to be fitted around the advice afterwards. We start from the advice the fund already has and work with the people who gave it.
How we structure it
The loan is built around the fund and the advice it has already received.
The fund's loan, with the portfolio in view
We structure the fund's loan knowing the lending you already hold outside it, in your own name, a trust or a company.
Lending that follows the advice
Our loan structures can align seamlessly with your financial planner's advice.
Working with the fund's accountant
Our team has deep experience in SMSF structures and works closely with SMSF accountants and administrators.
It makes sense when
- Your fund is established, or your accountant is establishing it.
- Your accountant and financial adviser have advised on the purchase.
- You already hold investment property outside the fund.
- You want one broker dealing with the lender, the accountant and the fund's administrator.
If you are still deciding whether to buy property in super, start with your financial adviser and your accountant. We pick up the lending once that advice is in place.
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