Self Managed Super Funds

Unlock the power of your super to invest in property with a Self-Managed Super Fund (SMSF) loan. At Ferns Finance, we offer personalised SMSF lending solutions, helping clients strategically purchase residential and commercial property within their SMSF.

Invest in property for your retirement with SMSF loans

Personalised SMSF Lending Solutions for Your Future

For many Australians, a Self-Managed Superannuation Fund (SMSF) represents a powerful vehicle for controlling their retirement savings and making strategic investments. One of the most significant opportunities within an SMSF is the ability to buy residential and commercial property using an SMSF loan. At Ferns Finance, we specialise in guiding you through this complex, yet rewarding, investment path.

What is an SMSF Loan?

An SMSF loan, often referred to as a limited recourse borrowing arrangement (LRBA), is a specific type of loan used by a self-managed super fund (SMSF) to acquire investment property. The returns generated from this investment – whether that's rental income or capital gains from eventual sale – are channelled back into your super fund, significantly contributing to your retirement savings.

With the right SMSF loan, a well-structured self-managed super fund, and a carefully chosen property type, you can potentially:

  • Plan your retirement on your own terms: Gain greater control over your superannuation investments and strategy.
  • Choose an investment to suit your lifestyle and investment goals: Select properties that align with your long-term vision.
  • Gear into property by borrowing within a Self-Managed Super Fund: Amplify your investment potential by leveraging borrowed funds.
  • Potentially save on account structure and keeping fees: With the right setup, SMSF property investment can be cost-effective.

How Ferns Finance Can Help You Navigate SMSF Property Investment:

The world of SMSF lending is highly specialised, with strict regulations and unique requirements. Gwen @ Ferns Finance brings over 14 years of experience and deep expertise in this niche. We provide comprehensive guidance to clients across Beenleigh, Logan, Scenic Rim, and the Gold Coast, ensuring you understand every step:

  • Understanding Regulations: We'll help you navigate the complex ATO rules and compliance requirements for SMSF property purchases.
  • Loan Structuring: We'll assist in structuring the loan correctly, including the essential bare trust arrangements.
  • Lender Access: We work with specialist lenders who offer SMSF loan products, helping you compare competitive rates and terms.
  • Property Suitability: While we don't provide property advice, we can help you understand how different property types (residential vs. commercial) fit within SMSF lending criteria

Ready to explore if an SMSF property loan is right for your retirement strategy? Talk to us today for a personalised consultation.

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Frequently asked questions.

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Are finance brokers regulated?

Yes, finance brokers are regulated to ensure they operate fairly and transparently. In many countries, brokers must be licensed and adhere to specific industry standards. This regulation helps protect consumers by ensuring that brokers act in their clients' best interests and provide accurate information.

Before working with a broker, it's advisable to verify their credentials and ensure they are compliant with local regulations.

Are there differences in borrowing power between Brisbane and Gold Coast properties?

Yes — location affects property values and lender risk profiles. We’ll assess your borrowing capacity based on the exact suburb you’re targeting.

Are there loans for building or renovating in Tamborine?

Yes, we can help with construction loans or renovation-specific personal loans. Even if you’re just upgrading a shed or adding a studio — we can find options.

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Can I buy an investment unit in Surfers Paradise or Broadbeach with low rental history?

Yes — but you’ll need to meet the lender’s rental yield or income requirements. We’ll help you present your application strongly.

Can I still get a home loan in Logan with a low deposit?

Yes! There are low-deposit options available, including First Home Guarantee schemes and lender-specific products. Ferns Finance Brokers can help you find the best fit based on your situation.

Can a finance broker help with bad credit?

Yes, finance brokers can assist clients with bad credit. They have access to lenders who specialize in offering loans to individuals with less-than-perfect credit histories. Brokers can help you understand your options and find a lender willing to work with your situation.

While securing a loan with bad credit may come with higher interest rates, a broker can help you navigate these challenges and find the best possible terms.

Talk to us today about your options.

Talk to us today about your options. Whether you're in Beenleigh, Logan, Scenic Rim, or on the Gold Coast, Gwen @ Ferns Finance is ready to provide expert, straightforward advice.

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