Buying a property through SMSF

introduction

Secure an investment property with your SMSF. You can use your super-fund to buy an investment property, provided it aligns with the fund’s investment strategy and risk tolerance.

The Self Managed Super Fund (SMSF) loan is designed specifically to enable trustees of Australian Self Managed Super Funds (SMSFs) that are authorised and regulated to borrow money for the purchase of an investment property in residential or commercial real estate. Many investors choose this route not just for retirement savings, but also for tax benefits.

Why choose Credific Finance for a SMSF Loan

Utilize Superannuation Savings

Make the most of your super balance by contributing the minimum amount from your super savings for the investment property purchase through SMSF. Credific Finance will help you understand your financial position and create an appropriate strategy so that can complete your purchase decision in the shortest span.

Streamlining the process

We provide you with all the data and information to give you complete accessibility to all product details and interest rates. Our supportive and professional loan broker will make this journey time-efficient for you.

Right Loan

Investing through SMSF is a complex and daunting process. Our skilled mortgage brokers will ensure they are abiding by best interest duty in finding the right loan. You can rely on us to help you choose an appropriate SMSF loan.

Building a portfolio

We will guide you to make valuable investments so you can enjoy your retirement. Have a chat with our friendly team and start your journey of building an SMSF property portfolio.

SMSF Property Purchase Process

Buying a property using an SMSF may appear complicated at first, but it's quite simple once you understand the necessary steps. Here's a brief rundown of how the process works.

The first step is to create a self-managed super fund and become the trustee of the fund.

The next step is to ascertain your investment strategy, which should include your risk appetite and the kind of property you wish to invest in.

After you've decided on an investment plan, you may begin looking into the properties that you intend to buy.

If you intend to take a loan to purchase the house, you must make financial arrangements and make sure you fulfil all the lending requirements.

After identifying the suitable property and obtaining the finance, you can proceed with the purchase using your SMSF.

It is essential to oversee the property by handling tasks such as rent collection and property maintenance to maximize the return on your investment.

Getting pre-approved upfront

Investment properties get sold quickly in the current competitive market. It is crucial to be financially ready when the opportunity arises for the SMSF loan. To be pre-approval ready we ensure:

  • You are financially stable to purchase the property
  • Finding the right lender to streamline the buying process.
  • Investing in sound financial advice before investing in a property.

Apply for Pre-Approval

Frequently Asked Questions

A Self-managed Super Fund Loan is a type of investment loan that enables an SMSF to utilize its funds as a deposit for acquiring an investment property, while also allowing it to borrow the additional amount necessary to complete the purchase.

      Control: Full authority over investment choices tailored to your goals and risk appetite and helps
      mitigate overall risk by diversifying your portfolio
      Tax advantages: Potential tax incentives, including reduced capital gains and reduced tax on rental
      income.
      Borrowing capacity: Ability to secure loans, enhancing purchasing power and returns with long
      term growth to enhance the savings for your retirement.

The interest rate for SMSF home loan can fluctuate based on various factors, such as the lending institution, the loan amount, the nature of the property being acquired, and the borrower’s credit profile and financial situation. Certain lenders may provide fixed interest rates, whereas others might offer variable rates that are subject to change in accordance with prevailing market conditions.

Applying for an SMSF home loan may seem daunting, but it doesn't have to be. You’ll need to provide details about your SMSF, including financial statements and investment strategy, as well as personal information like income, expenses, and assets. Once all the necessary information is ready, your application can be submitted and await for the lender's response. Talk to our mortgage brokers to help you secure a property through SMSF.

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