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Are you interested in investing in property through a Self-Managed Super Fund?
An SMSF Loan, aka Limited Recourse Borrowing Arrangement (LRBA), allows your super fund to borrow money to purchase residential or commercial investment properties while also keeping your retirement strategy intact. Unlike standard home loans, SMSF loans must comply with LRBA rules, can only be used for investment loans, and must be repaid using funds within the SMSF.
In order to qualify for an SMSF loan, you need to meet specific requirements and comply with the superannuation regulations. Since SMSF loans are more complex than standard home loans, lenders apply stricter criteria to ensure that the fund can manage the loan responsibly. Also, SMSF loans might not be suitable for everyone. An SMSF loan may suit:
At Nice Loans, we can guide you through SMSF lending rules, lender requirements, and compliance obligations with clarity & confidence. Contact Nice Loans today and get approved for an SMSF loan.
Since SMSF loans are “limited recourse”, the lender’s claim is limited to the property purchased, not other SMSF assets. Let’s explore out how an SMSF loan works:
SMSF loans come with specific structures and regulations that are designed to protect both lenders & super fund members when you’re buying a property with superannuation. Understanding these key features can help you make informed decisions:
SMSF loans come with specific rules & conditions set by the lenders and the ATO. Here's a breakdown of the pros and cons of SMSF loan:
Disclaimer: Loan suitability depends on individual financial circumstances, lender policies, and long-term property plans. This is general information only and does not constitute financial or legal advice. Please seek professional advice before making any investment decisions.
Estimate loan repayments for a Limited Recourse Borrowing Arrangement (LRBA) within your Self-Managed Super Fund.
Estimated Repayments
Monthly
$3,228
Annual
$38,740
Total Interest
$513,200
LVR
70%
Rental Income (mo.)
$2,167
Net Shortfall (mo.)
$1,061
Cumulative principal vs interest over loan term
Disclaimer: This calculator provides general estimates only and does not constitute financial, legal, or tax advice. SMSF borrowing (LRBA) arrangements are subject to strict ATO regulations and trustee obligations. Results assume a fixed interest rate and standard repayment structure. Please consult a licensed financial adviser and SMSF specialist before making any investment decisions.
We are here to help with your queries. Call us today 07 3114 2281 and get started with your home owning journey.
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We are here to help with your queries. Call us today 07 3114 2281 and get started with your home owning journey.
Book an appointment and get a free consultation with the most trusted mortgage broker in Brisbane.
Here are some frequently asked questions by our clients. If you have any specific questions, please don't hesitate to contact us.
No, you can’t. SMSF properties must be strictly used for investment purposes. That’s why you or any related parties to you cannot live in or use the property.
In SMSF loan, most lenders require a deposit of 20-30% deposit along with additional fund to cover stamp duty, legal fees, and other costs involved in the purchase.
Yes. SMSF loans generally have higher interest rates than standard home loans due to their complexity and stricter lending requirements,
An SMSF can be used to purchase residential or commercial investment properties as long as they meet ATO compliance requirements.
SMSF loans are more suitable for experienced investors with strong super balances & investment strategy. If you fall under the category, then it might be suitable for you.
Answer a few quick questions and we'll find the right solution for you.
Select the option that best matches your situation.
Enter the purchase price, how much you'd like to borrow, and your deposit amount.
Based on your loan amount, here is what repayments could look like at current market rates.
How will you be securing this loan?
You may be eligible for the Queensland First Home Owner Grant (FHOG) and stamp duty concessions.
This helps us identify which lenders and products suit you best.
Be as honest as you can — it helps us find the right lender for your situation.
We'll calculate your available equity and find you a better deal.
Based on your refinance amount, here is what repayments could look like.
This helps us identify which lenders and products suit you best.
Be as honest as you can — it helps us find the right lender for your situation.
Select your land situation, then enter the values. Total project value is calculated automatically.
This can be up to your total project value, depending on your deposit.
Based on your construction loan amount, here is what repayments could look like.
How will you be securing this construction loan?
This helps us identify which lenders and products suit you best.
Be as honest as you can — it helps us find the right lender for your situation.
We'll use this to get back to you, usually within one business day.
