SMSF lending can be a useful strategy for acquiring new assets, letting you use your superannuation savings to invest in assets that you may not have otherwise been able to afford.
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Borrowing through a SMSF
Self-managed super fund (SMSF) lending refers to the practice of borrowing money through an SMSF structure, which is then used to purchase an asset, such as property or shares. SMSF lending can be a useful strategy for investors seeking to acquire assets, as it allows them to use their superannuation savings to invest in assets that they may not have otherwise been able to afford.
Frequently asked questions
Below you’ll find answers to the most frequently asked questions about borrowing within a SMSF.
What is a Self-Managed Super Fund (SMSF)?
A Self-Managed Super Fund (SMSF) is a private superannuation fund that you manage yourself. It can have up to six members, all of whom are trustees responsible for complying with superannuation and tax laws. SMSFs provide more control over investment decisions, including the ability to invest in property.
What are the benefits of borrowing through an SMSF?
Borrowing through an SMSF can provide benefits such as leveraging your super to invest in higher-value assets, potential rental income, capital growth, and tax advantages. Rental income and capital gains within an SMSF may be taxed at concessional rates.
What are the tax implications of borrowing through an SMSF?
Borrowing through an SMSF can have tax benefits, such as concessional tax rates on rental income and capital gains. However, it’s important to be aware of the complex tax rules and potential penalties for non-compliance. Consulting a tax professional is recommended.
How can a mortgage broker assist with SMSF borrowing?
We can provide expert guidance on the rules and regulations governing SMSF borrowing, help assess the SMSF’s borrowing capacity, assist with loan applications, and ensure compliance with superannuation laws.
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