SMSF Residential Loan

Getting self-managed superannuation fund loans to increase your borrowing capacity to acquire assets like real estate offers tons of benefits. Here are just some of them:

• Use the rental earnings to pay off the loan: Whether you’re buying a condo unit or multifamily properties through SMSF residential loans, you can use the rental revenues to repay the debt. Essentially, you can keep the investment separate from your other assets and track your returns better in the long run.
• Acquire higher-value real estate: With the right strategy, you can use your SMSF to obtain real estate worth more than the super fund. Our loan specialists can guide you through what you need to do to make it happen.
• Reduce your tax liability:  Complying SMSFs can enjoy a capital gains tax discount if the relevant asset has been owned for at least a year. So owning a rental property through SMSF can provide tax benefits. But as mentioned, your fund must comply with the rules of the Australian Taxation Office.
• Grow your retirement savings: The basic goal of SMSFs is to secure the fund members’ retirement. Acquiring assets that bring income and grow the fund can help prepare your financial future and that of any other fund member.
• Secure certain assets: All assets within an SMSF are secured. Should your fund default on the residential loan, the lender can’t seize SMSF borrowers’ assets. It can be beneficial if you want to have or already have a diverse investment portfolio.