Your Super Can Buy Property.
But the rules are strict. Before you do anything, understand what you’re getting into.
An SMSF (Self-Managed Super Fund) loan lets your super fund borrow money to invest in property. It’s a powerful strategy — but only when it’s set up correctly.
The rules are strict, the structure matters, and the wrong setup can create serious problems down the line. We make sure you understand exactly what’s involved before you move forward.
What You Need to Know About SMSF Loans
- The super fund — not you personally — owns the property
- The property must meet the 'sole purpose test' (held for retirement benefit)
- You cannot live in or rent the property to related parties
- A bare trust structure must be set up correctly before settlement
- Strict rules apply to how the loan is structured and repaid
- Specialist legal and accounting advice is required
Is an SMSF Loan Right for You?
SMSF loans suit people who already have an established self-managed super fund, a solid super balance, and a clear long-term investment strategy. They’re not the right option for everyone.
We’ll be honest with you about whether it makes sense for your situation — and if it does, we’ll make sure every step is done properly.
Get the structure right from the start.
SMSF mistakes are costly and hard to reverse. Speak to Ajeesh before you make any decisions.