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Typically there have only been very limited circumstances in which SMSF borrowing is allowed. However in recent years, there has been a change. A SMSF can now set up a special kind of trust to hold an investment.

SMSF Loans - Getting Started

You are able to get a SMSF loan that is used to assist in the purchase of that investment. This is a great way to get into a SMSF property investment.


How can your Self-Managed Super Fund help you enter the property market? SMSF Loans are becoming more common, however As a SMSF is a different method of funding a purchase, there are important and unique considerations involved.

Find out what these are in greater detail with our FREE eBook: SMSF Loans

In this section of the website we cover everything from SMSF and property investing to a SMSF investment strategy. Our free eBook can also help you to understand Self-Managed Super Funds as well as important matters to consider in SMSF borrowing.

SMSF Borrowing Advice

It is vitally important that you do your investing and borrowing correctly if a Self-Managed Super Fund is involved. A breach of the regulations could make the SMSF non-complying and it could be penalised by paying tax at the top marginal rate on the entire balance of the fund. That’s certainly not what you want to happen. So you need to get proper advice on how to set up the ownership of the property by a special bare trust within the fund and SMSF borrowing that meets all of the requirements.

State Custodians Mortgage Company can help you with the loan and arrange for lawyers to get the legal structures in place. You should get your own advice from professionals regarding the investment strategy and the approach that is being taken.

Where do you start?

A good thing to do right now is to have a chat with a professional who can answer any questions you may have. The friendly, experienced lending specialists at State Custodians will provide helpful information without the pressure of committing and by the end of the conversation you will have a better understanding of what home loan would suit you the best. Give them a call during NSW business hours on 13 72 62 or drop them a note using an enquiry form.