SMSF Loan

Looking to invest in property through a self-managed super fund (SMSF)? Investing through an SMSF is a smart choice to enable greater flexibility and control over retirement savings and maximise returns. The best part? An SMSF property loan can help you start your portfolio and achieve your financial goals sooner.

Creating smart investments with SMSF property loans 

When done correctly, usingyour super to invest in residential or commercial property gives you access to some impressive tax benefits and concessions. When there aren’t sufficient funds in an SMSF to purchase an investment property outright, an SMSF loan can help.
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An SMSF loan, or an SMSF investment loan, is a type of home loan used by an SMSF to purchase an investment property. Returns on the investment, such as capital gains and rental income, are directed back into the SMSF, effectively increasing the retirement savings of its members.

An SMSF loan tailored to your needs​

At WT Capital, we work with trusted financial partners to access the best SMSF loan for our clients' needs. Our team has a wealth of experience in all stages of SMSF property investment and will provide you with informed and accurate information on your SMSF property loan options every step of the way.

Along with obtaining the best SMSF home loan rate for your individual circumstances and needs, we’ll work to get you a speedy finance pre-approval, so you can start reaping the rewards of your investment sooner. 
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New to SMSF and SMSF property investing? No problem — our leading and trusted financial partners offer a complete SMSF Setup solution to get you started.

Benefits of SMSF borrowing for property investments

An SMSF property loan is the perfect choice for anyone wanting to invest in property through an SMSF. SMSF property loans: 

• Help you to invest in property when there aren’t enough funds in your SMSF
• Are available in a range of flexible, competitive and SMSF loan interest rate options
• Allow you to enjoy the benefits of your asset sooner
• Can be utilised for both residential and commercial property investments

WT Capital — your trusted SMSF property loan partners

SMSF property investment — and borrowing for an SMSF to buy property — can be highly complex tasks. As well as being vitally important to have a good understanding of all the potential risks and advantages, it’s also crucial that all legal and taxation requirements are adhered to.

It’s therefore recommended that you seek the guidance of experienced property and financial professionals before embarking on SMSF investments and loans. At WT Capital, we’re your SMSF property loan and investment experts. We utilise decades of combined experience and work with trusted partners to provide smart solutions that get you on your SMSF property investing journey sooner.
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Keen to get started? Check out some successful case studies and our handy eligibility guide and retirement calculator. And, if you have any questions about our SMSF property loan or other services, simply get in touch with our professional team today. We’d be more than happy to help!

FAQs

How does an SMSF loan work? ​

A form of home loan, an SMSF loan can be used to purchase an investment property through an SMSF when there is insufficient capital in the fund to do so outright. The fund members control the mortgage, and all monies made by the investment are funnelled back into the fund.

What can you buy with an SMSF?

Generally speaking, SMSFs allow you to invest in a broader range of assets than external super funds. Along with residential and commercial property — which is becoming an increasingly favoured SMSF investment choice — investment options include term deposits, Australian and international shares, physical commodities, certain collectables, and fixed income products such as government and corporate bonds.

How much deposit do you need for an SMSF property loan?

For a residential SMSF property investment, you will usually need a deposit of 20% to 25% of the property’s value. You’ll need at least a 30% deposit for commercial SMSF property investments. Both property types will also require an additional 5% of the property value to cover purchase completion costs such as legal expenses, mortgage transfer fees and stamp duty.

Can I withdraw my super to buy an investment property?

Yes — this is what is known as SMSF property investment. Investing in property through your super is a great way to boost your returns and gain a greater level of flexibility and control over your retirement savings. And, an SMSF property loan may even help you get your property investment sooner!

What’s different about an SMSF loan?

There are a few key differences between SMSF loans and regular home loans. The main difference is the structure of the Limited Recourse Borrowing Arrangement (LRBA) for SMSF loans. This structure effectively means that the lender can only claim the asset associated with the loan if the fund defaults.