SMSF Loans Made Simple – Build Your Retirement Strategy
Self Managed Super Funds
Let’s be real: by the time most of us retire, the value of traditional super alone won’t be enough. That’s why strategic planning now matters more than ever. Self-Managed Super Fund (SMSF) loans give you the power to put your super to work by investing in property, creating long-term growth potential and tax advantages that standard funds just can’t match.
What is an SMSF Loan?
An SMSF loan allows your super fund to borrow money to purchase investment property — residential or commercial — under what’s called a Limited Recourse Borrowing Arrangement (LRBA). This means if the loan defaults, the lender can only claim the property itself, protecting the rest of your super assets.
With the right strategy, an SMSF loan is more than just finance — it’s a smarter way to take control of your retirement wealth, rather than leaving it to chance..
Benefits of SMSF Property Investment
Tax efficiency – rental income is taxed at just 15%, and capital gains may even be tax-free once you retire.
Diversification – add bricks and mortar to your super portfolio, not just shares and cash.
Leverage – use borrowing power to acquire higher-value assets and boost potential returns.
Control – SMSFs put you in the driver’s seat when it comes to investment choices and strategy.
Who’s Eligible for an SMSF Loan?
To qualify, your fund needs to tick a few key boxes:
ATO compliance – your SMSF must be properly set up and compliant with ATO rules.
Clear investment strategy – the fund must allow for property as part of its investment plan.
Sufficient balance – you’ll need funds to cover a deposit (typically 20–30%), plus stamp duty, legal fees, and a liquidity buffer.
Single acquirable asset – loans can only be used to buy one property (or multiple identical assets with the same value).
Property Rules You Need to Know
Residential property – cannot be bought from a member or related party, and can’t be lived in or rented by them.
Commercial property – can be leased to a related party, but only at market rates and strictly for business purposes.
How iChoice Central Coast Can Help
SMSF loans are complex — but that’s exactly where we shine. With Jason Khoury and his award-winning team in your corner, you’ll have the right strategy and the right lender to make it happen.
Expert structuring – we set up your SMSF loan to tick every compliance box while working towards your long-term goals.
Specialist lender access – tap into banks and niche lenders who actually understand SMSF lending.
End-to-end support – from application to settlement, we handle the detail so you don’t have to.
Collaborative approach – we work directly with your accountant or adviser to keep your strategy seamless and cohesive.
Super alone won’t be enough. Take control of your retirement wealth with an SMSF property strategy today.
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