SMSF Loans: How Much Can I Borrow?
If you’re planning to apply for SMSF loans, one of your questions is probably this: ”How much can I borrow?”. Different lenders offer different amounts, and the amount you can borrow will also depend on the SMSF loan requirements and SMSF lending criteria. Today, we’ll look at the factors that may affect how much you […]
Bad Credit Finance for Home Buyers
If you’ve been rejected for a home loan, it could be that you have bad credit. You may not even know this is the case until you apply for a loan, and it could be that the bank views you as a bad credit option because you’ve recently started a new job. Perhaps you’ve got […]
How Do SMSF Loans Work?
SMSF loans work similarly to regular home or property loans, with a few minor differences. The loan must be used for an investment property—you can’t use it to buy your own home. And while banks are the most common lenders for SMSF property loans, other options are also available. Which Banks Offer SMSF Loans? When […]
Is Buying Overseas Property Through SMSF a Wise Decision?
The Self Managed Super Fund (SMSF) sector is growing rapidly in Australia. This is mainly due to the attractive benefits SMSFs offer, such as tax breaks and investment flexibility. In recent years, we have seen a surge in the number of SMSF trustees looking to purchase overseas property through their fund. While this can be […]
A Complete Guide on SMSF Investment Strategy, Borrowing Rules, Fees & Setup
If you’re considering investing via an SMSF, the first thing to do is to undertake a review of your current super before deciding on an investment strategy with the transferred funds. The SMSF investment strategy that you employ will depend upon a number of factors, including: Time to retirement Risk outlook Money to invest (ongoing […]
What is a Limited Recourse Lending Arrangement (LRBA)
There are still some myths and misconceptions about SMSF loans, how they work, what they do and what they don’t do. So today I thought I would shed some light on the most common questions I come across. What is a Limited Recourse Lending Arrangement (LRBA) Unlike a normal loan, when a bank is lending to an […]
5 Ways You Can Waste Your Super
Unsurprisingly, there are plenty of people out there jostling to help you spend your nest egg. All promise high returns, but not all that many deliver; in fact, you can quickly lose your super if you don’t do your homework. Take the agribusiness managed investment schemes. Following the GFC, wide-spread drought, and falling commodity prices, these schemes started […]
Property Development in SMSFs: the Rich People vs the Commoners’ Methods
Property Development for All within SMSFs, Even Pre-1999ers There are many ways to invest in the property market, and doing so has provided probably the most consistent and constant investment returns of any asset class for the long-term investor, as well as some of the most lucrative. For those looking to take out an SMSF Residential Property […]
Understanding SMSF Loan Regulations
Australians love the idea of homeownership and investing in properties. You’ll catch them talking about property, whether at a family picnic, after a parent orientation or in the office pantry. If you feel the same way, you can easily do so by taking out a self-managed super fund (SMSF) property loan. However, there are strict […]
Is Your SMSF Carrying on a Business?
Investing in an SMSF provides a number of benefits, not least of which is the tax free income available upon retirement. It also allows assets to be pooled, costs to be controlled, and the trustee can employ a number of tax strategies to reduce the tax burden. This last point in particular attracts the attention […]
