A Self-Managed Super Fund (SMSF) is a private superannuation fund where the members are also trustees and have control over investment decisions made within the fund. SMSF loans facilitate borrowing against the superannuation fund for investment in assets such as residential or commercial property.
The highly regulated and specialised SMSF industry is dominated by savvy investors who want to grow their property portfolios, and existing business owners who want to save (through tax concessions), and make money via the purchase, and often potential leaseback, of commercial property.
Any returns on the investment such as rental income or capital gains are directed back into the super fund to help increase the fund’s retirement savings.
When it comes to securing successful finance it’s important to note there are only a few lenders who will lend to SMSFs and application requirements can vary significantly.
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Types of business property commonly purchased via SMSF:
Current SMSF Borrowing Guidelines:
LVR:
Deposit:
Fund Balance:
Loan Terms:
up to 80% of the property value
20-35%
minimum of $100k is recommended
up to 30 years
The trust will need to prove sufficient income to support the loan.
Your Green Team specialist finance broker will be in the best position to provide you with an overview of actual lenders, loan terms, conditions and costs based on your situation.
Seeking advice from experienced SMSF professionals such as accountants, financial and tax advisors is required to ensure compliance and optimise investment outcomes. Your Green Team broker can also provide recommendations for proven professionals in these fields.
For more specific information on SMSF loans for you or your business, get in touch with your Green Team finance broker today.
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Australia's leading hospitality, accommodation and childcare finance specialist and winner of Australian Broker of the Year 2022.
Finance Consultant
One of Australia's most in-demand commercial finance brokers and awardee of Best Finance Broker 2024 (Better Business Awards), James specialises in commercial property investment and development finance.
Finance Consultant
Lance King is an award-winning private banker turned finance broker, with a reputation for expertly managing complex financial portfolios for high-net-worth individuals, families and business owners.
Finance Consultant
An ex-banker and lending specialist who is on your side and can provide the cost and time-saving advantages of established banking relationships, proven lending knowledge, a choice of funding solutions and fast answers.
I needed a review of all my commercial loans and someone who could find the best loan options & rates and I was recommended James Kelder who not only found exactly what I was looking for, but handled all the correspondence and communication with the bank making the process extremely easy. Also following up to see if there was anything else that I need.
The only broker I use and also recommend to my clients. Understands far more than most work a very high commercial acumen and goes out of his way to get the best service that is the best fit for the client! Cannot recommend more highly.
I know I’m going to sound like the Green Finance Group cheer squad but when it comes to finance, I don’t believe there is another finance broker that compares. On a number of occasions Daniel has gone out of his way to assist my clients, even when there was no financial motivation to do so. He is incredibly generous with his time, which is rare to find in someone with such a high level of financial expertise, knowledge and industry standing. His ability to assess a loan application or business case and tell you how or why it will or won’t meet the bank’s approval process is almost an art form. I know it doesn’t matter if I’m his 1000th email for the day, I’ll always get a personalised response. Daniel does old-fashioned, great quality service with modern day freshness and you won’t get a better finance broker on your side.
