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SMSF Property Investment Structures Explained
Investing in property through an SMSF requires the right structure. Corporate trustees offer flexibility when members join or leave, while individual trustees may create administrative challenges. Both require a bare trust for borrowing, but lenders often prefer corporate trustee setups. Understanding SMSF trustee structures is key to compliant and effective property investment.
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
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
The Journey of Buying Property in an SMSF
Buying property with your SMSF is a unique journey that involves specific legal structures and specialist finance. With major banks no longer offering SMSF loans, trustees must navigate niche lenders, varying loan policies, and strict compliance rules. This guide explains each step — from structuring your SMSF and setting up a bare trust, to applying for a loan, drafting contracts, and managing the investment property long term.
4 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
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