Self Managed Super Funds

Superannuation laws changed in 2007, allowing borrowing for property within a Self Managed Super Fund. If you are interested in purchasing an investment property with your Superannuation, there are some clear advantages.

Switching your super gives you control.

A self-managed superannuation fund (SMSF) is a legal tax structure regulated by the Australian Tax Office (ATO), with the sole purpose of providing for your retirement. An SMSF gives you the control that comes with managing your own super and investments.

The advantages of SMSF

Understand your super


Select your investments, and ensure you’re not losing money to unnecessary fees and taxes.

Investment choice


We believe everyone should have the opportunity to choose, understand and be confident about where their superannuation is invested.

Tax benefits


SMSFs generally have a 0% tax rate on income during retirement, with zero capital gains tax.

Cost


SMSFs can ultimately be one of the most cost-effective superannuation investment vehicles.

Pool your super funds


SMSFs can be established with up to 4 members, pool your super together for better leverage.

Estate planning


You can build an SMSF investment strategy suited to your family’s needs and beliefs.

SMSF property investment


If you’re thinking about buying an investment property, using your super could be an option.

Advantageous capital gains


Property within SMSF may be eligible for zero capital gains tax on assets during the pension phase.

Zero out of pocket expenses


SMSF set up costs can be paid for from your super balance, with no direct out of pocket expenses.

How you can set up an SMSF to purchase property

It’s important to set up your SMSF properly so that it’s eligible for tax concessions and easier to manage once it’s up and running.

What To Do:

1. Find an SMSF expert to help you with the initial set up.

2. Create a trust deed and appoint trustees.

3. Register with the ATO.

4. Set up a bank account for your fund.

5. Roll over your superannuation funds.

6. Finalise your investment strategy.

7. Obtain a statement of advice from a financial planner for the bank to lend you money to purchase property.

8. Locate a property that is suitable to your strategy

9. Engage solicitor to finalise property transaction  

                                                 

For more information about setting up an SMSF, visit the Australian Taxation Office website.

If you would like one of our property coaches to assist you in securing property using your superannuation please enter your details in the adjacent form, and we will be in contact with you.

To see if you qualify for SMSF, enter your details below

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