Self Managed Super Fund (SMSF) Loans | Mortgage Broker Pymble, St Ives & Lindfield

Using your Self-Managed Super Fund (SMSF) to invest in property can be a powerful way to grow wealth for retirement, but it’s important to get the right loan structure in place to maximise your investment. As a passionate property investor and SMSF lending specialist, I can help you navigate the complexities of SMSF loans so you can make a meaningful difference in your retirement savings. 

What is an SMSF investment?

An SMSF is a type of superannuation fund that allows members to have control over how their super funds are invested. Many people choose to use their SMSF to invest in property so that they reap the benefits when they retire. But, SMSF investment can be complex, and requirements change regularly. 

Here are a few basics:

• If you have an SMSF fund, you are both a member and a trustee. You get to choose the investment strategy and manage the investments, but you also need to make sure the fund is adhering to national regulations. 
• There are up to six members allowed, but you can choose to add family, friends and partners as members. A bigger SMSF balance could give you more investment options and minimise costs.
• Managing an SMSF and its investments can take time, effort and money. It's important to have a support team of experts: a financial adviser, an accountant and a Mortgage Broker. 
• If you invest in a property through your SMSF, it must meet the 'sole purpose test' provided by the ATO i.e. only providing a benefit to the members upon retirement. None of the members can live in the property and it must be rented at arms length.

What is an SMSF loan?

An SMSF loan allows a Self-Managed Super Fund (SMSF) to borrow funds for investing in property. The income generated - whether that's rental income or capital gains - flows back into the SMSF, boosting your retirement savings.

 

 

Get me on your SMSF support team

There's no doubt about it, SMSF investment can be complex. As your Pymble Mortgage Broker, I can help you make sense of your SMSF investment loan options and choose one that fits with your super fund and investments.

Get in touch with Satish

 

How I can help you make a great choice

When it comes to SMSF investment loans, my approach is to provide personalised, transparent information so that you understand your options and can confidently choose the loan that suits your SMSF strategy. As a passionate investor, I know firsthand the impact that a well-structured SMSF loan can have on retirement outcomes.

Here’s what you can expect:

• Experienced, first-hand advice: As your local Mortgage Broker in Pymble, I provide expert advice tailored to your specific SMSF goals. I'll work with your other advisers like your financial planner and accountant to ensure the process runs smoothly and you're kept updated as things change. 

• A wide choice of lenders: Lenders can vary significantly when it comes to how much you can borrow for your SMSF and Loan-to-Value Ratios (LVR). To maximise your investment, I search through SMSF options from over 35 lenders - not just the major banks - to find an SMSF investment loan that fits your specific needs.

• Personalised loan strategy: SMSF loans are different to regular investment loans, which is why it's so important we put together a lending strategy that fits with the structure and investment goals of your super fund. Let me advise you on the right features and structure, so you're making the most of your funds.

 

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Let’s connect

Let's make sure we find a strategic loan for your SMSF investment! As a mobile Mortgage Broker, I service clients across Pymble, St Ives, Lindfield and wider Sydney. I can chat by phone, video or in person at a time that suits you best. I'm available to help clients in English, Hindi or Tamil. 

Call Satish Srinivas on 0410 905 683 or Contact Us below.

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