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What Are SMSF Non-Concessional Contributions
Explore the details of non-concessional contributions to SMSFs in 2025, including caps, the bring-forward rule, eligibility based on total super balance, tax implications, and compliance requirements. Understand how to navigate contribution limits to optimise your retirement savings in line with Australian superannuation regulations.
2 min read
Understanding SMSF Property Loans
SMSF property loans differ from standard home loans, with higher fees, stricter rules, and fewer features. Using a standard broker or applying directly to a lender can result in mistakes, penalties, and missed opportunities. Trustees must understand lender rules, liquidity, serviceability, and compliance requirements to protect their SMSF and long-term retirement savings.
3 min read
Compliant SMSF Investment Strategy
Learn how SMSF trustees can prepare a compliant investment strategy that meets ATO requirements. This guide covers diversification, risk assessment, liquidity, insurance considerations, and how to document your strategy to satisfy regulatory obligations.
3 min read
Corporate Trustee Benefits for SMSFs and Property Lending
Discover the benefits of a corporate trustee for your SMSF, including smoother membership changes, simplified governance, asset protection, and potential advantages when borrowing for property, as corporate trustees are generally assessed outside the NCCP framework.
2 min read
Related Party Loans and SMSF Property Borrowing
A related party SMSF loan occurs when the fund borrows from a member or associate. While these loans can be cost-effective, they require strict compliance with superannuation rules. Mortgage brokers can explain general SMSF loan mechanics and risks, but trustees should seek legal and accounting advice for structuring and compliance.
2 min read
How to Buy Life, TPD, and Income Protection Insurance Through Your SMSF
Trustees and members can purchase Life, Total and Permanent Disability (TPD), and Income Protection insurance within an SMSF, offering control, tax advantages, and strategic alignment with retirement goals. This article explains how SMSF insurance works in 2025, compares it to industry funds, and highlights compliance, tax, and provider selection rules relevant for mortgage brokers and trustees.
3 min read
Rules for Unlocking Equity in SMSF Property
SMSF members cannot release equity from fund properties for personal use or use SMSF property as security for other loans. Repairs and maintenance are allowed, but renovations or improvements must follow strict superannuation rules. Understanding these restrictions is critical to keeping your SMSF compliant and safeguarding retirement savings.
2 min read
How to Wind Up an SMSF
Winding up an SMSF involves careful steps to comply with trustee duties and ATO regulations. Learn why SMSFs are wound up and essential tasks including asset disposal, member benefit payments, final audit, tax reporting, and documentation. This guide helps trustees manage the SMSF closure process compliantly and efficiently.
3 min read
What is an SMSF Actuarial Certificate?
An SMSF actuarial certificate certifies the tax-exempt income proportion in funds with both pension and accumulation members. This guide covers when a certificate is required, segregation vs proportionate methods, consequences of losing the certificate, impacts of losses, and considerations for cash-only investments.
3 min read
SMSF Residency Rules that Trustees Must Know
SMSF residency rules are crucial to keeping your fund compliant and eligible for concessional tax rates. To remain an Australian SMSF, funds must satisfy establishment, central management and control, and active member tests. Temporary absences overseas may be permitted, but long-term or permanent absences can risk non-compliance. Learn how the rules work and why planning ahead is essential for trustees.
2 min read
What Information is Required to Set Up a Bare Trust for Your SMSF?
See what information is required to set up a bare trust for your SMSF, including property details, lender information, and loan specifics. Discover why professional guidance is essential to ensure compliance with LRBA rules and safeguard your SMSF property investment.
2 min read
Understanding Limited Recourse Borrowing Arrangements (LRBA) in SMSFs
A Limited Recourse Borrowing Arrangement (LRBA) enables an SMSF to borrow to acquire an asset while restricting lender recourse to that asset. Trustees should understand LRBA mechanics, borrowing risks, and that lenders may require personal guarantees which can reintroduce personal liability. Professional legal and financial advice is recommended before entering into LRBA lending arrangements.
3 min read
SMSF Lease Agreements for Residential and Commercial Properties
Leasing property within a Self-Managed Super Fund (SMSF) requires strict adherence to ATO rules. Residential and commercial leases have different regulations, and trustees must ensure leases reflect market terms, comply with the SIS Act, and avoid related party breaches. This guide explains key compliance considerations and best practices for SMSF lease agreements.
2 min read
What Can an SMSF Invest In? Rules Explained
SMSFs can invest in shares, property, term deposits, and more, but strict rules apply. Investments must meet the sole purpose test, align with an SMSF investment strategy, and avoid prohibited use by members. Understanding SMSF investment rules helps trustees stay compliant while building a portfolio designed to provide retirement benefits.
2 min read
Who Can Be a Trustee or Director of an SMSF?
SMSF trustees and directors must meet specific eligibility criteria set by the ATO to ensure fund compliance. This article explains who can serve as a trustee or corporate director, disqualification rules, legal personal representatives, trustee consent, and declarations to support trustees and mortgage brokers in managing SMSFs responsibly.
3 min read
How Many Members Can I Have in an SMSF?
Discover how many members your SMSF can have and understand the differences between individual and corporate trustees. Learn about governance, compliance, costs, asset ownership, and succession planning to keep your SMSF legally compliant and efficiently managed.
3 min read
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