Clear Path Financial Group
Level 5, 271 William Street, Melbourne VIC 3000

SMSF Loans

Investing in property through an SMSF can be a tax-efficient way to grow your wealth. With the right guidance, you can make the most of the benefits while staying compliant with superannuation rules.

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SMSF Finance for Smart Property Investment

Expert Guidance for Smarter Super Investments

Investing in property through a Self-Managed Super Fund (SMSF) can be a tax-efficient way to build wealth, but it’s important to have the right strategy in place. Superannuation comes with its own set of rules, so seeking expert advice ensures you stay compliant while making informed investment decisions.

✔ Diversify Your Super Portfolio – Gain more control over your retirement savings by adding property to your investment mix.
✔ Access More Investment Options – Unlike retail super funds, an SMSF allows you to explore property opportunities that align with your financial goals.
✔ Enjoy Tax Benefits – Superannuation offers significant tax concessions, making property investment through an SMSF an attractive option.

SMSF Finance

Smart investment choices for a better retirement

Residential and Commercial Property Investment

SMSFs can invest in both residential and commercial properties, but each comes with specific requirements. Residential properties must meet strict compliance rules, while commercial properties require careful consideration of location, zoning, and financing. We help ensure a smooth investment process tailored to your SMSF strategy.

Greater Control Over Investments

Managing property through an SMSF gives you direct control over asset allocation. Unlike traditional super funds, you decide how your investment is structured and managed, allowing for a strategy that aligns with your long-term financial goals.

Maximising Returns with Smart Borrowing

Just like investing outside super, SMSFs can use debt to leverage property purchases. Borrowing within your SMSF can help maximise returns, but it’s important to structure the loan correctly to stay compliant and minimise risk.

Making Sure Your SMSF Follows the Rules

Understanding the Sole Purpose Test in SMSF Property Investment

For an SMSF to remain compliant, it must meet the sole purpose test, ensuring that all investments are made strictly to provide retirement benefits to its members or their dependents in the event of a member’s passing before retirement. This is a key requirement for SMSF property investment.

When investing in property through an SMSF, it’s important to know that:

  • You cannot transfer a residential property you already own into your SMSF by selling it to the fund.
  • Purchasing property with SMSF funds follows different rules than buying with a standard home loan. SMSF property loans have unique structures and compliance requirements that must be carefully managed.

Navigating SMSF property investment can be complex, but with expert guidance, you can ensure your investments align with compliance regulations while working toward long-term financial security.

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Frequently Asked Questions

Yes, an SMSF allows you to invest in assets like residential and commercial property—something traditional super funds don’t offer. This gives you more control over your retirement savings and investment strategy.

There are strict regulations, including the sole purpose test, which means the property must be for investment purposes only and not for personal use.

No, you cannot transfer a residential property you personally own into your SMSF. Any property purchased must be an arm’s length transaction.