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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Can you help me refinance my current mortgage to a better deal?

Absolutely. We offer free assessments to compare your current rate with what’s available — and if there’s a better option, we’ll make it easy to switch.

Can you help with high-rise apartments or off-the-plan purchases?

Absolutely. We’re experienced in helping clients buy off-the-plan in towers across the Gold Coast & Brisbane. We know which lenders accept these properties and under what terms. We can also help you with deposit bonds for off-the-plan purchases.

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Do I have to come into an office to apply?

Not at all! We offer phone, video, and online appointments — perfect if you're in a rural spot or juggling a busy schedule.

Do I need a finance broker?

Whether you need a finance broker depends on your financial situation and comfort level with the borrowing process. If you have a good understanding of financial products and feel confident negotiating with lenders, you may not need a broker. However, if you're unfamiliar with the process or have specific needs, a broker can provide valuable assistance.

Ultimately, the decision should be based on your individual circumstances and preferences.

Do lenders treat short-term Airbnb properties on the Gold Coast differently?

Yes — some lenders may not count Airbnb income unless it’s long-standing. We’ll match you with lenders who are flexible with holiday rental properties.

Do you help with house and land packages in new developments around Logan or Yarrabilba?

Definitely. We often work with clients purchasing in estates like Yarrabilba, Flagstone, or Ripley Valley. We can guide you through finance stages tied to construction.

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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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