Self Managed Super Fund Loans

You can choose where your retirement savings go

Looking into investing your Self Managed Super Funds into real estate? Intellichoice can guide you through the process and make it possible!

Intellichoice makes it possible to invest your superannuation and SMSF into real estate. Have full control over your money while preparing for retirement or simply acquiring your dream property. Talk to an SMSF loan specialist from Intellichoice to learn more.

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Self Managed Superannuation Funds
are a hot conversation topic…

SMSF stands for ‘self-managed superannuation fund’.

SMSFs allow Australians to directly invest their superannuation, rather than let ordinary funds manage their money for them.

SMSF’s are subject to the same rules and restrictions as ‘ordinary’ superannuation funds and are regulated by the Australian Taxation Office.

A self-managed superannuation fund can have up to four members, with all members being trustees (or directors if there is a corporate trustee). These members are responsible for meeting compliance obligations.
Return on investment is funneled back into the SMSF, which increases the fund’s worth. These returns may be rental income or capital gains.

Superannuation is a hot topic. There is concern over high fees and low fund performance. A benefit of establishing your own superannuation fund is greater control over your retirement savings, and an SMSF loan can assist you to purchase investment property under your fund. This negates reliance on the share-market and puts you back in control.

If you would want to explore your superannuation or interested in the benefits of an SMSF loan, a few minutes with our loan specialist could help you understand and explore this side of real estate investing. Call or book an appointment with one of our experts today.

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An SMSF is a self-managed superannuation fund. SMSFs have to follow the same rules and restrictions as ordinary superannuation funds.

SMSFs allow Australians to directly invest their superannuation, rather than let ordinary funds manage their money for them. SMSFs are regulated by the Australian Taxation Office. They can have up to four members. All members must be trustees (or directors if there is a corporate trustee).

Unlike with ordinary funds, SMSF members are responsible for meeting compliance obligations. The returns on the investment whether that's rental income or capital gains are funneled back into the super fund increasing your retirement savings.

There is a lot of concern over performance (or lack thereof) of superannuation funds. People are finding they are not in control of their finances because they are relying on the share market. For many clients who come to us, that lack of control doesn’t sit well. At all.

In the main, these are people who have worked hard for their money and who want their money to continue to work for them. These people don’t like not having control over their own money.

A well established business had a property ownership entity. That entity had borrowed money to buy a commercial property within which they work their business. That premise was now too small and they needed expanded premise. They had good equity in their existing premises but they need to move up into a higher gear.

The principals of the business have cash sitting in their SMSF. So the super fund was able to buy their new commercial premises. The business itself, entered into a rental contract with their self managed super fund.

The business then sold their existing premise and use the equity from that sale to inject into the expansion of the business.

The benefits of a Self Managed Super Funds

31.8% of all superannuation funds are with SMSFs now representing the largest slice of the super industry.

For many Australians, SMSFs offer these benefits:

1.             More control.

2.             Greater flexibility.

3.             Usually lower fees than industry and retail funds.

4.             Usually better performance.

More control

With an SMSF, you can choose where your retirement savings go, with options including listed shares, bonds and direct property.

This flexibility gives you the ability to to actively manage your investments. With a hands-on approach, you can quickly adjust your portfolios as markets change.

Lower fees

Generally SMSF members pay lower fees and enjoy better performance than all other super funds.

How an SMSF could benefit you

Depending on your individual situation, the advantages of an SMSF may include:

•      greater flexibility in investment choices and asset selection

•      control over your total investment portfolio, with the ability to take account of the risk profile of all your assets

•      maximum flexibility in establishing and managing pensions, including retirement and term allocated pensions

•      greater flexibility for accessing Centrelink benefits such as the age pension

•      tailored tax management

•      investing indirect property

•      the ability to transfer personally owned listed shares, business real property and managed funds directly into your superannuation fund, and

•      the ability to own business property

Find our more about our special self managed super fund opportunities and let’s see your income work for you to provide you with the lifestyle you are used to… into the future.  If it’s an SMSF you need then Intellichoice is the mortgage broker that will carry you ahead of the rest and help you to secure the best financial future you are looking for.  Call us on 1300 55 10 45.

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The principals of the business have cash sitting in their SMSF. So the super fund was able to buy their new commercial premises. The business itself, entered into a rental contract with their self managed super fund.

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The business then sold their existing premise and use the equity from that sale to inject into the expansion of the business. 31.8% of all superannuation funds are with SMSFs now representing the largest slice of the super industry.

Frequently asked questions

What Is A SMSF or Self Managed Super Funds?

Rather than conventional superannuation arrangements with a provider that is for the most part assigned by an employer, a Self-managed Super Fund (SMSF) is overseen by their members, for their members.

What is the definition of a SMSF Member?

A member is a someone who has contributions made for them or who receives benefits from the fund. In retirement, a member has the choice of receiving either a lump-sum payment or a pension, or a combination of both.

What is the definition of a SMSF Trustee?

A trustee is a person or a legal entity (company trustee) in charge of ensuring the fund is well controlled as set out below the Superannuation Industry Supervision Act 1993 (SIS) and all different applicable laws are found. A SMSF can also have a company as a trustee if each director of the organization is a member of the fund. note: everybody over the age of 18 can be a trustee of a superannuation fund unless they’re a “disqualified character” below SISA. A person is a “disqualified man or woman” if: at any time, the individual becomes convicted of an offense regarding dishonesty; or at any time, the person has been the problem to a civil penalty order underneath SISA; or the individual is a bankrupt underneath administration (e.g. an undischarged bankrupt). Please notify your service company earlier than you establish your fund if any applicant for the club of the fund is a “disqualified person”!

Why are SMSFs gaining popularity?

There are many reasons why individuals are now setting up a SMSF, however, the overarching factor is the ability of the trustee and members to control every investment decision and create their own retirement future. Fund members can choose to invest in shares or property and can diversify their investment portfolio as they see fit. Members of SMSF can maximize the profitability of their fund, leaving more money for retirement and expanding their property portfolio.

What are the benefits of SMSF

There are many benefits associated with running SMSF: Investment Choice, Tax Benefits, Passing on your wealth, Asset protection, and Cost savings.

Do I have to operate a company or small business before I can setup my SMSF?

No.

How do I apply to set up new SMSF?

Your self-managed super fund (SMSF) needs to be set up correctly so that it’s eligible for tax concessions, can receive contributions and is as easy as possible to administer. Our experts can assist you in setting up your SMSF and choosing the right structure for your SMSF.

To set up an SMSF you need to:

1. Consider appointing professionals to help you
2. Choose individual trustees or a corporate trustee
3. Appoint your trustees
4. Create the trust and trust deed
5. Check your fund is an Australian super fund
6. Register your fund and get an ABN
7. Set up a bank account
8. Get an electronic service address
9. Prepare an exit strategy

Does SMSF have to have an Investment Strategy?

Yes. The SIS legislation requires funds to have an investment strategy. There is no prescribed format for an investment strategy, and strategy will vary from fund to fund based on, but not limited, the following:

1. The composition of the fund’s investments
2. Future contributions to the fund
3. Risk of investments
4. Cash flow needs
5. Liquidity
6. Age of members

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