Self-Managed Super Fund Lending
Self-managed super funds
Taking control of your own super through a self-managed super fund (SMSF) opens up investment opportunities beyond standard superannuation portfolios. Licensed financial advisors can help you make an informed decision if a SMSF is right for you.
Borrowing in a SMSF
SMSFs can borrow via limited recourse borrowing arrangements to invest in commercial and residential property. Generally, limited recourse loans can be secured for up to 80% of the purchase price of a property (excluding purchase costs).
Looking for a better rate?
If you already have a loan in your SMSF for a residential or commercial property and have not reviewed the rate in the last 12 months, call or email us to see if we can find you a better deal to maximise your SMSF returns.
How can Skate Capital help?
Getting the best rate for your new or existing SMSF residential or commercial loan is our priority. We can help get you access to the best rates from a range of lenders to maximise your SMSF returns.
Some rules to consider when thinking about borrowing in your SMSF
- Residential investment properties purchased through an SMST cannot be lived in by you, any trustee, or anyone related to the trustees. You cannot benefit from your SMSF until you retire.
- Whilst borrowed funds can be used for maintenance, they cannot be used to improve a property. This means "doer-uppers", knock down to rebuild and empty blocks you plan to build on and development sites are not allowed.
- Your SMSF can lease a commercial property to you, your family or related parties providing it meets the rules for doing so.
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