Self Managed Super Fund (SMSF) Lending | Mortgage Broker Wolli Creek, Arncliffe and Banksia

A well-planned SMSF loan can be a powerful tool for building long-term wealth - but navigating the process on your own can be complex and time-consuming. With over 18 years in finance, including experience as a financial adviser, I understand the complexities of self-managed super funds (SMSFs) and how they can be used to invest in property. 

How can I use my SMSF to invest in property?

If you're thinking about using an investment property to top up your retirement income, an SMSF loan could be a great option. Your SMSF can take out a loan through a Limited Recourse Borrowing Arrangement (LRBA) to purchase a residential or commercial property.

The property itself is used as security for the loan, and because it's limited recourse, the lender only has a claim over the property - not your fund’s other assets - if something goes wrong. Since SMSF lending comes with strict rules, it’s important to make sure the investment fits your retirement goals and stays compliant with super laws.

A few things to know:

• Limited Recourse Borrowing Arrangement (LRBA): SMSFs can borrow to invest in property under an LRBA, where the loan is secured against the property itself.

• There are strict lending criteria: Not all lenders offer SMSF loans, and there are specific rules around contributions, repayments, and property management.

• It should be a long-term strategy: Investing through your SMSF is a long-term decision. It’s important to ensure it aligns with your retirement goals and complies with superannuation laws.

 

 

Set your course for a better loan

With years of experience as a financial adviser and now a Mortgage Broker, I understand both the lending landscape and the financial strategies behind SMSF property investment. I’ll guide you through the process of securing the right loan and ensure it's structured correctly.

Book a chat with Stephen

 

Why clients trust me with their SMSF loan

• A choice of lenders: SMSF loans come with strict rules, unique lending criteria, and a smaller pool of lenders willing to offer them. I will compare options to find the most competitive solution.

• A tailored solution: Every SMSF is unique, as are your goals. As your local Wolli Creek Mortgage Broker, I’ll assess your situation and match you with the right lender to suit your strategy.

• A streamlined process: SMSF loans can be complex, but I’ll handle the legwork: liaising with lenders, explaining your options, and guiding you through the paperwork.

• Collaboration with your team: I will work closely with your financial adviser or accountant to ensure your SMSF loan is structured correctly and aligns with your retirement goals.

 

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• I want to buy a home

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• I want to buy an investment

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• I'm considering refinancing

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Let's navigate your SMSF loan - together

Whether by phone, video, or in person across Wolli Creek, Arncliffe, Banksia, and wider Sydney, I’ll make sure you have the right guidance every step of the way. Get in touch with me to get started!

Call Stephen Southworth directly on 0450 532 823 or book an appointment. 

Call 0450 532 823  Book an appointment