Rise High Financial Solutions

header logo of Rise High - Award-winning mortgage Brokerage Adelaide

(08) 7131 1149

Invest in property...

...using your Superannuation!

At Rise High Financial Solutions, we are one of the few Australian Mortgage Broking Businesses to have an MFAA SMSF accreditation, which means our brokers are Self-Managed Super Fund experts and can give you expert advice to assist you in finding the right loan for your investment!

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Our team is always here to help you find the right loan that provides a balance of features and flexibility, whilst being as cost-effective as possible.

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Understanding SMSF Loans

How do they work and why should you use one to invest in property?

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Things you should know

Discover what you should know before getting a Self Managed Super Fund loan

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Discover how our Mortgage Brokers can help!

Explore what our team of dedicated brokers can do to support you on your journey

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How do Self Managed Super Fund (SMSF) Loans work?

An SMSF Loan is a finance option which allows you to access and borrow money that can be invested in property to support your financial future.

In order to purchase a residential or commercial property using your superannuation you will first need to set up a Self managed Super Fund (SMSF) and rollover sufficient superannuation into your new SMSF to fund your deposit on the property you wish to purchase. 

Whilst this can be a great option to support your financial future, the rules and regulations around SMSFs are complicated and it is important that you are getting the right expert advice and support when setting up your SMSF and also throughout the life of your SMSF.

Why use a Self Managed Super Fund (SMSF) to invest in property?

There are a number of benefits that come with choosing to use your Self Managed Super Fund to invest in property and secure a healthy financial future. Some of our preferred ones include:

  • Greater control over your superannuation assets
  • Attractive concessional tax structures
  • The ability to use your superannuation as a deposit to purchase property
  • Great potential to invest in property without affecting your personal cashflow! Provided rental incomes and your compulsory superannuation guarantee cover the expenses of your new property

Are you looking to grow your Investment Portfolio?

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SMSF Loan rules to keep in mind

When choosing to obtain an SMSF Loan the primary rule you should always remember, is that the purpose of the loan must always be to increase the retirement benefits your Self Managed Super Fund will provide to you. 

Throughout the process, you will also want to consider additional conditions that apply to the property you are choosing to acquire (such as ensuring it is not being obtained from or rented to any related party of yours), as well as documentation required to process your application successfully. 

Your dedicated Rise High broker can provide advice and support to guide you at every stage of the journey and can also introduce you to other great experts who specialise in helping Australians establish and manage their SMSF.

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Let a Rise High Broker help!

As one of the few Australian Broking Businesses with an MFAA SMSF accreditation, our team can provide you with the best support and expertise to find the right loan for your needs and goals. 

Our team of dedicated brokers is here to help you:

  • Calculate your borrowing power
  • Arrange pre-approval finance and help you find the right investment property loan option for your needs
  • Provide advice to devise a tailored investment strategy
  • Review any existing debt you may have and help you pay it off sooner through refinancing or debt consolidation
  • Put you in touch with a comprehensive team of experts that can assist you throughout the whole process!
Long-term Rise High clients James and Delia
James & Delia
Clients since May 2012

Our clients love us
as much as we love them

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Rise High client Nick

"They're all magicians!"

I think this is my 13th loan arranged through Rise High (it could be more). The team has always put my goals first and explored every lender policy to ensure that I'm not just able to achieve my objectives, but to get a great deal more than I ever thought possible. No wonder Rise High takes out just about every top award, every year. They're all magicians! There is simply no more nightmare of uncertainty, and their ethics is unparalleled. From 26 year of personal history in the property market, I couldn't offer any broker a higher commendation!

Nick Hart

Client since 2012

Rise High client Claudine

"These guys are faultless!"

These guys are life changers - honest, warm and they get results! Thankyou James & Team for making this a perfect experience for us - we can't recommend you highly enough!

Claudine Innes

Client since 2019

Rise High client Ceci

"Highly recommended!!"

RHFS helped us when we decided to buy our first house, and recently with refinancing our home loan. Thuy and Isabella did an amazing work and just leaving us to make the decision with a lot of useful information. Thanks for everything you have done for us, Thuy and Isabella and, of course, Rise High Financial Solutions.

Ceci Mantilla

Client since 2019

Rise High Client Ly

"Always on the ball"

We are long-term clients of Rise High and would highly recommend them. Over the years, James and his team have always been helpful and efficient. Karyn has helped us with our most recent loan and she has been fantastic. The team has always been able to work to our needs and timelines, they’re always willing to help, always on the ball and have a great can-do attitude.

Ly Nguyen

Client since 2018

Rise High client Phoebe

"Very Pleased!"

A HUGE thank you to Nhi & Bryan on the Rise High Financial Team, for their fantastic work. My husband and I have been engaging Thuy and her wonderful team since purchasing our first home back in (2011). Nhi & Bryan, we cannot thank you enough for all your staunch effort, fantastic communication and positive customer service in helping us secure our first investment property. Very Pleased! Thank you.

Phoebe Kavanagh

Client since 2013

Rise High client Daniel

"Expertise and professionalism"

Our experience with Rise High was amazing. The process ended up being so much simpler than we had thought thanks to their hard work. The expertise and professionalism they showed meant that it was one less thing for us to worry about. We were kept updated all the way and we're so happy to now be in our new home. We would highly recommend Rise High for anyone looking for these services.

Daniel Goldsworthy

Client since 2021

Rise High client Rachel

"have your interests at heart"

James and the team at Rise High were amazing. This was my first time getting a home loan, whereas for my partner has gone through the process with Rise High several times. I must admit I was a little nervous and heard of many bad experiences with other companies but this was certainly not the case. It was so easy, the team led us through the documents they needed and answered all my questions quickly, the whole process was absolutely seamless. James provided us with the best options so quickly and within 10 days we had approval. Pretty unheard of in this market at the moment, just goes to show with the right team anything is achievable. I would highly recommend Rise High to anyone who is looking for a mortgage broker who is trustworthy, reliable and who have your interests at heart.

Rachel Kim

Client since 2022

Rise High client David

"got me the best loan I am eligible for"

I had a great experience with Rise High Morgage Brokers. They saved me a lot on my loan and I am confident they got me the best loan I am eligible for. They communicated with me every step of the way and made the process really easy. Thank you

David Gill

Client since 2021

Rise High client Georgie

"No question is too complex"

The Rise High team are absolutely on point with everything. Their communication is 11/10. I've refinanced with them twice now and on to my 3rd loan. Each time I have been informed of every step along the way and kept in the loop with everything. No question is too complex. I've referred family and friends to Rise High and will continue to use them in the future!

Georgie Feronas

Client since 2018

Rise High client Rob

"Knocked this one clean out of the park"

I can't rate Rise High Financial Solutions highly enough. When dealing with banks and conveyancers and navigating the sometimes convoluted pathways to property ownership it's important to have expert advice and motivated staff in the form of the team at Rise High 'batting for you'. Thank you so much, you knocked this one clean out of the park. Rob 😊

Rob Allen

Client since 2007

Ready to find out more?

Our award-winning brokers are always here to support you in achieving your financial goals. With a fee-free service, complimentary loan reviews that save you money, and regular updates and communications, you can always be confident to have a lifelong financial partner that will keep your best interests at heart!

What are you waiting for?

Other Frequently Asked Questions:

As your trusted Finance and Mortgage Advisors, we are also here to answer any questions you might have regarding this process, and provide specific advice based on your personal circumstances. Some of the most commonly asked questions around SMSF Loans include: