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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Do you work with local real estate agents and conveyancers?

Yes — we have a strong local network and can connect you with trusted professionals to make the process smooth.

How do finance brokers get paid?

Finance brokers typically earn their income through commissions paid by lenders when a loan is successfully arranged. This means that their services are often free for clients, as the lender covers the broker's fees. However, some brokers may charge a fee directly to clients for their services, especially if they provide additional consulting or financial planning.

It's important for clients to clarify the payment structure with their broker upfront to avoid any surprises later in the process.

How long does approval usually take in Logan or Gold Coast?

Depending on the lender, approvals can take 2–10 business days. We’ll prep your application to reduce delays.

How to choose a finance broker?

Choosing a finance broker involves several key considerations:

  • Experience: Look for brokers with a proven track record in the industry.
  • Reputation: Research reviews and testimonials from previous clients to gauge their reliability.
  • Services Offered: Ensure the broker provides the specific services you need, whether it's mortgages, personal loans, or business financing.

Taking the time to choose the right broker can lead to a more successful borrowing experience.

What are the benefits of using a finance broker?

Using a finance broker offers several benefits, including:

  • Access to Multiple Lenders: Brokers have relationships with various lenders, giving clients access to a wider range of financial products.
  • Expertise: Brokers are knowledgeable about the finance industry and can provide valuable advice tailored to individual circumstances.
  • Time-Saving: Brokers handle the paperwork and negotiations, saving clients time and effort.

Overall, finance brokers can simplify the borrowing process and help clients make informed decisions.

What documents do I need for a finance broker?

When working with a finance broker, you'll typically need to provide several documents, including:

  • Proof of Identity: A government-issued ID, such as a passport or driver's license.
  • Income Verification: Recent pay stubs or tax returns to demonstrate your financial stability.
  • Credit History: Brokers may request your credit report to assess your borrowing eligibility.

Having these documents ready can streamline the process and help your broker find suitable options for you.

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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