The Conquer Finance team applies an in-depth understanding of trusts and complex income flows to help you understand SMSF lending and make the most of the opportunities available.
Whether you are exploring residential or commercial property purchasing opportunities, you can expect us to explain your options in detail as we help you make decisions with confidence.
What is SMSF Lending?
Establishing a Self-Managed Super Fund (SMSF) can be an excellent way to boost your retirement savings.
When combined with the right investment strategies, you can use your SMSF to generate additional wealth. One of those strategies is SMSF lending; a form of borrowing specifically designed for those with an SMSF.
An SMSF loan describes a specific type of loan that allows you to borrow money from a lender so you can purchase an investment property within your self-managed super fund.
When can I use SMSF Lending?
SMSF lending can be used to acquire investments that can help build your retirement fund.
For example, if you have identified an opportunity to purchase an investment property through your self-managed super fund but don’t have the cash available, you may be able to use an SMSF loan as a way to finance the purchase.
Why choose SMSF Lending?
SMSF lending can make sense if you are looking to invest in your retirement fund by purchasing an investment property.
If executed correctly, your strategy can help you conquer your financial future and enjoy a more comfortable retirement.
How to Get Started
Before you access SMSF lending, you will need to establish a Self-Managed Super Fund (SMSF). This will allow you to take control of your investments and manage them yourself, giving you the freedom to choose how to invest your retirement savings.
Your financial adviser will help you establish your SMSF and Conquer Finance can help with finance to buy an investment property as part of your strategy.
Need help getting started? We have a number of contacts in the industry and can put you in touch with the right people.
SMSF Lending Restrictions
It’s important to note that there are restrictions on the assets purchased with an SMSF loan.
Generally speaking, only residential and commercial real estate qualify to be purchased with the help of an SMSF loan.
Other restrictions and changing requirements mean it makes sense to work with a lending specialist who is an expert in this area.
Key Benefits of An SMSF Loan
An SMSF loan will allow you greater flexibility when it comes to investing your funds. Instead of limiting yourself to cash investments (e.g. term deposits), you can diversify your portfolio and invest in property.
This strategy also gives you access to more capital than if you were using cash investments alone. As a result, you could potentially earn greater returns on your investment over time.
Lastly, by taking out an SMSF loan rather than relying solely on cash investments, you reduce the risk associated with volatility in markets.
Why Choose Conquer Finance?
Our team has extensive experience in SMSF lending as well as in the business banking industry, which means we understand the requirements from all angles.
We are happy to work in conjunction with your accountant and financial adviser so you can execute your strategy.
Get Started Today
SMSF lending can be the right strategy if you want more control over your retirement savings plan and want to access more capital for larger investments than would otherwise be available through traditional methods.
Let Conquer Finance help you take control of your financial future by sharing our expertise and guiding you in the right direction.