Buying property using SMSF
Amplify your investment power by expanding your property portfolio through our SMSF products that come with competitive rates.
Book your free consultation with an SMSF Lending Expert
Looking to buy an investment using a self managed super fund?
Using a self-managed superannuation fund (SMSF) for real estate investment is quite common and for good reason. Investing in property is relatively low risk compared to other investment options. Property investment can provide you with a plethora of benefits such as reduced capital gains tax, negative gearing, and increased purchasing power.
An SMSF loan lets you use your SMSF to buy an investment property through a loan. Your superannuation contributions will go towards paying for the investment property loan. With an SMSF, the expenses for the property investment will be paid for by the fund. No need for any out-of-pocket expenses.
Since you’ll be tapping into your SMSF, you won’t have immediate access to any rental income or capital gains. The profit you get from properties you buy through an SMSF loan can be reinvested or accessed only when you retire.
Why choose a self managed super fund loan?
Zero monthly fees
Saving on fees also means more money towards your SMSF goals.
One central hub
Access your SMSF loan via our easy-to-use online app Smart Money.
Unlimited repayments**
Pay off your SMSF loan sooners with unlimited extra repayments.
A win for you.
No application and settlement fee. No monthly or ongoing fees.
Guide to buying a investment property through your SMSF
If you’re thinking about leveraging your SMSF to invest in property, applying for low-rate loan is real easy.
The returns on the investment, which can either be your capital gains or rental payments, are funnelled back into the superannuation fund for your retirement.
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Frequently asked questions
As an online lender, we operate without the overheads of a physical branch network or broker commissions. Our digital processes and innovative technology help us keep costs down. This allows us to pass those savings directly on to you through competitive home and car loan rates.
A Self-Managed Super Fund is a private superannuation fund that allows you to manage your own superannuation investments for your retirement. Not everyone can set up their own super, so understanding the basics is crucial before getting started. We always suggest you speak to your accountant or financial advisor for any questions on setting up your SMSF.
At loans.com.au, the only fee you’ll pay to refinance is a one-off security assessment fee, which for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million. If you are making a purchase, there will also be a $490 legal fee applicable.
Many other lenders may charge an application fee, exit fees, annual fees, and discharge fees, so it’s important to do your research before making your decision.
We accept both residential and commercial investment properties.
You’ll have a phone appointment with one of our lending specialists to organise pre-approval of your loan. Check the onTrack app to receive your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack, which authorises us to deal directly with your existing lender. From this point, you no longer need to pay your previous lender. We pay the loan out by estimating payout costs based on current balance, rate and repayments. Your loan will settle and you'll enjoy new low rates!
There are some restrictions when it comes to any property bought with a SMSF loan, namely that you can't construct a new home, nor can you live in the home at any stage until you reach retirement. We recommend for any questions on this you speak to your accountant or financial advisor.
Who is loans.com.au?
Established in 2011, loans.com.au is one of Australia's first online lenders offering great value and award-winning car and home loans. Part of the Firstmac Group, Australia’s leading non-bank lender, we’re backed by four decades of expertise. Our Brisbane-based lending specialists have helped thousands of customers make confident decisions and save on their home and car buying journeys.
Kathryn
Lending Specialist
Talk with a real person about our SMSF loans.
As an experienced lending specialist, Sarah and our team can answer all your questions to get you on track.