Build Retirement Wealth Through Property Investment in Your Self-Managed Super Fund
Invest in residential property through your super fund for long-term wealth creation with tax-effective returns.
Purchase commercial property your business operates from, paying rent to your super fund for retirement wealth.
Access better rates and terms on your current SMSF property loan while maintaining compliance with regulations.
Self-managed super funds can purchase residential investment properties using Limited Recourse Borrowing Arrangements (LRBA). Build your retirement wealth through property while enjoying concessional tax treatment on rental income and capital gains.
Rental income is taxed at just 15% during accumulation phase, or 0% if your SMSF is in pension phase.
One-third capital gains tax discount in accumulation, or 0% CGT if sold during pension phase.
Diversify your super portfolio beyond shares and cash with tangible property assets.
Use borrowed funds to purchase property, amplifying your super fund's investment capacity.
Property held in SMSF is protected from personal creditors and bankruptcy proceedings.
Long-term property appreciation grows your retirement savings in a tax-effective environment.
Access SMSF-specialist lender rates starting from 6.5-8.5% p.a. for residential investment properties held in your super fund.
Borrow up to 80% of the property value with SMSF-specialist lenders who understand super fund lending requirements.
Property held in bare trust with limited recourse, protecting other SMSF assets if loan defaults occur.
Loan terms structured to comply with superannuation regulations and ATO requirements for SMSFs.
Residential property purchased by your SMSF cannot be lived in by you, any SMSF member, or related parties. It must be rented to unrelated third parties at market rates. The property cannot be improved or renovated during the loan term (only essential repairs allowed). Your SMSF must have sufficient cash flow from contributions and rental income to service the loan and pay all property expenses.
We work with SMSF accountants and financial advisors to ensure your property purchase complies with all superannuation regulations and ATO requirements.
We specialize in SMSF lending and work with specialist lenders who understand the unique requirements of super fund property loans.
Deep expertise in SMSF lending regulations, compliance requirements, and specialist lender policies.
We ensure your loan structure meets all ATO and superannuation law requirements to protect your SMSF.
Access to SMSF-specialist lenders who offer competitive rates and understand super fund lending.
We work closely with your SMSF accountant to ensure seamless integration and compliance.
SMSFs can purchase commercial property and lease it to a related party, including your own business. This powerful strategy allows your business to pay rent to your super fund, building retirement wealth while potentially reducing business overheads through tax-deductible rent payments.
Your SMSF can lease commercial property to your business or related entity, creating a tax-effective arrangement.
Your business claims rent payments as tax deductions while building your super fund balance.
Rental income taxed at 15% (accumulation) or 0% (pension), far lower than personal tax rates.
Secure your business location long-term while building retirement wealth through property ownership.
Property in SMSF is protected from business creditors, separating business and retirement assets.
Reduced CGT on property sale (one-third discount or 0% if in pension phase).
Borrow up to 80% of commercial property value with 20% deposit from SMSF funds.
SMSF commercial property rates from 6.5-8.5% p.a. depending on property and covenant.
Interest-only periods to maximize cash flow within your SMSF during accumulation.
Loan terms from 15-30 years to align with your retirement planning strategy.
Rent charged to related parties must be at commercial market rates supported by valuation.
Written lease agreement required with proper terms, conditions, and market rent.
Investment must meet sole purpose test of providing retirement benefits to members.
Sufficient funds from rent and contributions to service loan and pay all expenses.
This strategy works exceptionally well for business owners who currently pay rent to third-party landlords. By purchasing your business premises through your SMSF, you redirect rent payments to your super fund instead. Your business continues to claim rent as a tax deduction, but the money builds your retirement wealth at concessional tax rates (15% or 0%) instead of enriching a landlord.
Over time, loan repayments build equity in an asset your SMSF owns, creating substantial retirement wealth while your business occupies the premises. We work with your accountant and financial advisor to structure this correctly and ensure compliance with all SMSF regulations.
Build significant retirement wealth through tax-effective property investment in your super fund
Rental income and capital gains are taxed at concessional rates (15% accumulation, 0% pension), significantly lower than personal tax rates, accelerating wealth accumulation for retirement.
Property held in SMSF is protected from personal and business creditors. For business owners, you control your premises while building retirement wealth through ownership in your super fund.
Use borrowed funds to amplify your super fund's property investment capacity. Diversify beyond traditional super investments (shares, cash) into tangible property assets for balanced portfolio growth.
Refinance your existing SMSF property loan to access better interest rates, improved loan features, or release equity for additional investments. Save thousands while maintaining compliance with all SMSF regulations.
Secure better rates to reduce interest costs and improve your SMSF's investment returns.
Access improved features like offset accounts, flexible repayment options, or longer interest-only periods.
Access property equity for additional SMSF property investments or other permitted investments.
Change from fixed to variable rates or vice versa based on market conditions and your strategy.
Reduce monthly repayments to improve SMSF cash flow for other investments or member pensions.
Switch to lenders with better SMSF understanding, faster processing, and specialist support.
We review your current SMSF loan, rates, fees, and features to identify potential savings.
Compare SMSF-specialist lenders to find the best rates and terms for your situation.
Submit application with SMSF documentation and manage the approval process end-to-end.
Coordinate settlement, discharge old loan, and ensure bare trust transfers correctly to new lender.
Trust deed, financial statements, tax returns, and member statements for the SMSF.
Loan statements, payout figures, and details of bare trust holding the property.
Property valuation, rental agreement (if applicable), and rates notice.
Contact information for your SMSF accountant to coordinate compliance matters.
Even a 0.5% reduction in interest rate can save your SMSF tens of thousands over the life of the loan. For example, on a $500,000 SMSF loan, a 0.5% rate reduction saves approximately $2,500 per year, or $62,500 over 25 years. These savings compound in your tax-effective super environment, significantly boosting retirement wealth.
We calculate the total benefit including rate savings, improved features, and any equity release, comparing this against refinancing costs (discharge fees, application fees, valuation). If refinancing makes sense, we manage the entire process while ensuring continued SMSF compliance.
Get answers to common questions about SMSF property loans
At ALS Mortgage Solutions, we provide comprehensive SMSF lending services that go beyond just finding you a loan
Expert advice on SMSF regulations, ATO requirements, and structuring your loan to meet all compliance obligations.
We work closely with your SMSF accountant to ensure seamless integration and proper documentation for compliance.
Help developing your SMSF investment strategy to document property investment rationale and satisfy ATO requirements.
Arrangement of proper bare trust documentation and structure to hold property under Limited Recourse Borrowing rules.
Regular reviews of your SMSF loan to identify refinancing opportunities and ensure continued optimal structure.
Detailed modeling of SMSF cash flows to ensure you can comfortably service the loan and meet all obligations.
Get in touch with our expert team today for a free consultation and personalized lending solution.
