Self-managed super fund loans
Planning ahead and managing your own super? We can work with you to apply for loans via your self-managed superannuation fund, allowing you to purchase or build property via your super. Speak to our team of accredited Mortgage Brokers and discover how we can help.
Self-managed super fund loans • Secure & confidential • More choice with a wide range of lenders
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Over 60 lenders means more choice, so you can pick the best rate.
Note that not all lenders offer all product types. Our team will present options that best suit your needs.
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Your Guide to Self-Managed Super Fund Loans
What is a self managed super fund (SMSF) loan?
A SMSF loan is a type of loan offered to self-managed super funds (SMSF) in order to buy property for investment purposes.
What are the benefits of SMSF loans?
The benefits of SMSF loans are that any returns on the investment, such as capital gains or rental income, are payed back into your superannuation fund. This may help increase your retirement savings, giving you an added cushion for when you retire. This type of loan also allows you to purchase investment property using funds you would otherwise not have access to.
What are the limitations of SMSF loans?
There are limitations of acquiring property via the SMSF method. These include an inability for any fund member, or their relatives, to live in, or acquire the property (some extremely limited exemptions apply). In addition, rental income cannot be directly accessed by a trustee. All income will go towards increasing the super fund savings. These savings will be paid out to members once they retire.
What else should I consider?
*With our process, in most circumstances your entire application can be signed digitally with software such as Docusign, however there are some forms with specific lenders that will need to be signed by hand.
Before making a decision on whether this type of loan is suitable for you it is important for you to consider the above information and discuss the suitability of this loan type with your Mortgage Professional.
This is general information only and is subject to change at any time. Your complete financial situation will need to be assessed before acceptance of any proposal or product.