Investment Control
Take charge of your retirement funds by choosing your investment properties.
Tax Efficiency
Enjoy potential tax benefits within your SMSF.
Asset Protection
Secure your investment within the protective structure of your SMSF.
Diversification
Broaden your investment portfolio with property assets.
Unlock the potential of your retirement savings with a Self-Managed Super Fund (SMSF) loan. At Aussem Mortgage Solutions, we specialise in providing tailored SMSF loans to help you invest in property and build a secure financial future. Our expert team is here to guide you every step of the way, ensuring a smooth and compliant borrowing process.
Establishing a Self-Managed Super Fund (SMSF)
What is an SMSF Loan?
An SMSF loan allows you to borrow money within your self-managed super fund to purchase investment property. This can diversify your portfolio and enhance your retirement savings. SMSF loans are subject to strict regulatory requirements, making it crucial to have a knowledgeable partner by your side.What is an SMSF?
A Self-Managed Super Fund (SMSF) is a superannuation trust structure that allows individuals to manage their own retirement savings. Unlike traditional super funds, SMSF members are also the trustees, giving them complete control over investment decisions and strategies.Why Choose Aussem?
Expertise
Our team has extensive experience in SMSF lending and compliance.
Customised Solutions
We tailor our loan products to fit your unique financial goals.
Competitive Rates
Benefit from our attractive interest rates and flexible terms.
Seamless Process
From application to settlement, we ensure a hassle-free experience.
How It Works
Streamlined Steps for Your SMSF Loan Journey
Consultation
Discuss your goals with our SMSF loan specialists.
Assessment
We evaluate your SMSF’s borrowing capacity and compliance requirements.
Application
Complete your loan application with our guided support.
Approval
Receive loan approval and proceed to property purchase.
Settlement
Finalise your investment and start benefiting from your SMSF property.
Ongoing Support
Our commitment doesn't end at funding. We view ourselves as an extension of your team, offering ongoing support throughout your loan term.
Eligibility Requirements
SMSF Setup
You must have an established SMSF.
Investment Strategy
A clear investment strategy should be in place.
Fund Balance
Sufficient funds to cover the deposit and related costs.
Compliance
Adherence to SMSF regulations and loan conditions.
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Can my SMSF buy residential property?
Yes, your SMSF can purchase residential property as long as it adheres to investment guidelines.
What are the risks associated with SMSF loans?
Potential risks include compliance breaches and market volatility. It’s important to seek professional advice.
How much can my SMSF borrow?
The borrowing capacity depends on your SMSF’s balance and financial situation. Typically, SMSFs can borrow up to 70-80% of the property’s value.
Ready to maximise your retirement savings with an SMSF loan?
Contact Aussem today for a free consultation. Our experts are here to help you achieve your investment goals with confidence.
How much money do I need to start an SMSF?
While there is no legal minimum, it’s generally recommended to have a starting balance of at least $200,000 to make an SMSF cost-effective.
Can I include my family members in my SMSF?
Yes, an SMSF can have up to six members, typically including family members.
What are the ongoing costs of running an SMSF?
Costs include annual audits, accounting fees, and investment management expenses. These can vary depending on the complexity of your investments and the services you require.
Is an SMSF suitable for everyone?
SMSFs are best suited for individuals who have the time, knowledge, and interest in managing their own superannuation and are looking for greater control over their investments.
Learn more about SMSF
Ready to take control of your retirement savings? Contact Aussem today to learn more about setting up an SMSF and how we can assist you in achieving your financial goals.
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