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Taking the Key

SMSF Finance

Helping You Find The Right SMSF Loans To Purchase  A Residential Or Commercial Investment Property

Let Our SMSF Loan Broker Help You Cut Through The Red Tape

Some Australians with a confident and thorough background in investing prefer to take more control of their long-term financial outcomes by managing their superannuation fund personally. A self managed super fund (SMSF) allows those with the time and skill required to invest their retirement savings within the frameworks and regulations provided by the Australian government.


Trustees of an SMSF can sometimes use retirement savings to purchase investments to help fund their members' retirement. This specialised loaning and investment environment can be easier to navigate with the help of a skilled SMSF finance broker. Let's touch on some vital information that you need to consider when seeking to acquire an investment through your self managed super fund.

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What is a Self Managed Super Fund?

An SMSF is a retirement savings vehicle similar to the super accounts that most working Australians have; the critical difference is that those involved are usually trustees of the fund, as opposed to members. The role of a trustee involves a great deal of knowledge, experience and adherence to strict protocols. Managing a fund consists in setting out investment plans for the fund, including the research, analysis and timing of investment decisions. SMSFs are usually more enticing to those that want more control, those with the skill set to manage efficiently, and those that have a clear investment strategy in mind. 


For an SMSF to be competitive with retail super funds for value, a rather large balance is usually needed to contend with the various fees. People who elect for an SMSF are willing to accept responsibility for their investment decisions and outcomes in exchange for the right to steer the fund themselves. They may do so in response to weak performance by their current fund or on the advice of a financial professional.

How Can A SMSF Be Used To Apply For A Loan?

There are only a handful of occasions during which a fund can apply for a loan. However, the Australian super laws provide one method by which an SMSF can take a loan to fund the purchase of an asset, most often in the form of a property. 


This method is known as a Limited Recourse Borrowing Arrangement or LRBA. An LRBA is a particular type of loan that protects the SMSF, its trustees and its assets from lenders if a default occurs on the loan. Read our blog on how a SMSF can borrow money to see how these work.

AN SMSF Finance Expert To Help You Navigate This Complex Process

Lenders in this space have unique guidelines when considering an SMSF home loan application. Some may only loan a certain percentage of a property's value. It's worth noting that the property may be residential or commercial. As always, interest rates differ between lenders. It is also important that the investments remain at 'arms-length'; for instance, rental income can not come from a trustee's family member. 


SMSF borrowing for these sorts of arrangements is a complex and detailed process. Speaking with a financial specialist is highly recommended. CJG Finance specialises in connecting people to acquire property through SMSFs with suitable lenders. Colin can help to navigate the process and speak with compatible lenders. Reach out today if you're interested in exploring this investment avenue for your SMSF. We'd love to help you.

  • What is property development finance?
    Property development finance involves obtaining a loan to cover the costs of acquiring and developing property for residential, commercial or specialised use. Finance can be provided by banks or by private lenders.
  • What types of projects can I finance?
    Lenders can finance the acquisition of land and various construction and building costs. Types of projects always vary but would generally be split into three types; Residential projects (single dwellings, land sub-divisions, unit & townhouse complexes); Commercial projects (industrial, retail & offices); Specialised assets (examples; pubs, clubs, service stations, medical & childcare centres).
  • Will I require pre-sales?
    Not always; some private lenders will not require pre-sales to secure a loan. Loan requirements are unique to each lender; CJG finance can help you find the right fit.
  • What loan terms are available?
    Loan terms are flexible but generally last between 1-2 years. It is in all parties best interest to achieve the fastest possible construction time.
  • What gearing options do I have?
    Gearing options are dependent on the lender(s) that are being considered; CJG finance will be able to connect you with a lender that is willing to work with your initial investment capital.
  • Why should I use CJG Finance for my property development finance?
    CJG Finance is a valuable help to any development project. We utilise our expertise, connections and understanding of the market to connect developers with interested lenders, acquire competitive interest rates and foster healthy business relationships.

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