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Owning your home has and always will be the great Australian dream. But with rising property prices and slow wage growth causing that dream to feel out of reach, prospective homeowners have begun seeking alternative measures to get their foot in the property door — like a self-managed super fund (SMSF).
An SMSF is a super fund managed by yourself and up to five other trustees. These trustees are responsible for ensuring the SMSF abides by the superannuation legislation and that the funds are used in accordance with established investment goals. According to the Australian Taxation Office (ATO), there are approximately 600,000 SMSFs with more than 1.1 million members in Australia.
Using an SMSF to invest in property provides borrowers with greater flexibility and control over how their money is invested and grants ample tax benefits. In cases where a member doesn’t have sufficient funds in their SMSF, an SMSF loan is an effective SMSF property investment strategy.
An SMSF loan is a home loan used with an SMSF to purchase an investment property. Aside from fast-tracking your way to being a homeowner, other benefits of borrowing through an SMSF loan can include:
Flexible and competitive interest rates
Purchasing residential or commercial properties
Expanding your portfolio and purchasing multiple investment properties
Secure real estate finance with WT Capital.
SMSF property investment can be challenging and time-consuming, as many legal and tax obligations must be adhered to. That’s why it’s essential to consider an SMSF property investment professional to guide you. WT Capital is your go-to when it comes to property investment.
WT Capital specialises in SMSF property investment to help you navigate the process, from establishing your SMSF to getting pre-approval for an investment property through an SMSF loan. We work with trustworthy and reliable financial partners to access competitive SMSF loan options for our clients, ensuring you get the best deal for your circumstances.
We offer clients professional and effective property investment assistance, no matter what stage you’re at. Our strategies and property market research will help you maximise your portfolio while meeting your needs and circumstances. Whether you’re planning to purchase one or multiple investment properties, WT Capital will help you get the property management assistance you need.
If you would like more information about SMSF eligibility or to learn more about our range of property investment services, contact us today.
Frequently Asked Questions.
Borrowing through an SMSF is a viable investment strategy many Australians undertake to enter the property market. To secure finance for properties via your SMSF, you need to have sufficient funds available or obtain approval through additional funding.
It’s important to note that should you wish to purchase multiple investment properties, you must ensure your SMSF can handle the additional costs.
WT Capital has years of experience helping borrowers manage investments and finance in property, specialising in SMSF property investment. Our professional and highly-qualified team will guide you through the process, from setting up an SMSF account to securing an SMSF loan to purchase your first investment property.
Various Australian property finance options are available to borrowers, from a standard mortgage to an SMSF loan. If you are looking to purchase a property and don’t have sufficient funds in your SMSF, consider an SMSF loan — SMSF home loans that can be used to purchase a property.
This could mean many things, depending on what stage you’re at with your property investment. If you are purchasing a property for the first time, your deposit for a loan could be considered the initial investment. If you are a homeowner considering renovating your property to increase its value, the funds you put toward the renovation are also regarded as an investment.
Purchasing a property is an excellent investment choice, as it’s considered a less volatile investment compared to share trading. Properties tend to increase in value over time, which means homeowners can expect to make a profit if they ever decide to sell. Alternatively, if you rent your property out to tenants, you’ll also earn an income.