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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What government grants are available for first-home buyers in Queensland?

As of now, eligible first-home buyers in QLD can access the First Home Owner Grant and possibly stamp duty concessions. We’ll check your eligibility and help with the paperwork.

What is a finance broker?

A finance broker is a professional who acts as an intermediary between clients and lenders. They help individuals and businesses secure loans, mortgages, and other financial products. By leveraging their knowledge of the market, finance brokers can find the best deals tailored to their clients' needs.

Finance brokers are particularly useful for those who may not have the time or expertise to navigate the complex world of finance on their own. They provide valuable insights and guidance throughout the borrowing process.

What is the process of working with a finance broker?

The process of working with a finance broker typically involves the following steps:

  1. Initial Consultation: Discuss your financial needs and goals with the broker.
  2. Document Submission: Provide necessary documents for assessment.
  3. Loan Options: The broker will present suitable loan options based on your profile.
  4. Application Process: The broker will assist you in completing the application and submitting it to the lender.

This structured approach ensures that you receive personalised service throughout the borrowing process.

What should I ask my finance broker?

When meeting with a finance broker, consider asking the following questions:

  • What lenders do you work with? Understanding their network can help you gauge your options.
  • What fees do you charge? Clarifying costs upfront can prevent misunderstandings.
  • How will you communicate with me? Establishing communication preferences can enhance your experience.

Asking the right questions can lead to a more productive relationship with your broker.

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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