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!
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.
Understanding SMSF Loans
How do they work and why should you use one to invest in property?
Things you should know
Discover what you should know before getting a Self Managed Super Fund loan
Discover how our Mortgage Brokers can help!
Explore what our team of dedicated brokers can do to support you on your journey
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
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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.
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!
James & Delia
Clients since May 2012
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!
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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: