BUILD WEALTH WITH YOUR SUPER
BUILD WEALTH
WITH YOUR SUPER
Use your superannuation to buy investment properties
Use your superannuation to buy
investment properties
Did you know that you may be eligible to purchase property through your superfund? This an avenue where you don’t need to use your savings or home equity for a deposit.
Did you know that you may be eligible to purchase property through your superfund? This an avenue where you don’t need to use your savings or home equity for a deposit.
A financial advisor can set up a Self Managed Super Fund (SMSF) on your behalf depending on your current personal situation.
A consultation with a financial advisor can ascertain whether this could be an option worth exploring further.
Can my SMSF property be renovated / extended?
No. An SMSF cannot undertake major construction or structural alterations. However, repairs and maintenance or replacement of existing internal improvements (like kitchens or bathrooms) are generally permitted, provided they do not fundamentally change the asset.
Can my SMSF property be used as loan security?
No. The property held within an SMSF cannot be used as security for any other transaction or borrowing outside the SMSF.
Can I or family live in or rent SMSF property
No. SMSF members and their related parties (including family and friends) cannot live in or rent a residential property owned by the SMSF, even at market rates.
Superannuation FAQ
Can I renovate or extend a property owned by my SMSF?
No. An SMSF cannot undertake major construction or structural alterations. However, repairs and maintenance or replacement of existing internal improvements (like kitchens or bathrooms) are generally permitted, provided they do not fundamentally change the asset.
Can I use my SMSF property as security for another loan or investment?
No. The property held within an SMSF cannot be used as security for any other transaction or borrowing outside the SMSF.
Can I or my family live in or rent the SMSF residential property?
No. SMSF members and their related parties (including family and friends) cannot live in or rent a residential property owned by the SMSF, even at market rates.
Can my SMSF purchase property from a related party?
No. Residential property cannot be purchased from a related party. All acquisitions must be conducted at arm’s length and comply with SMSF regulations.
Can I use my SMSF property as security for another loan or investment?
No. The property held within an SMSF cannot be used as security for any other transaction or borrowing outside the SMSF.
Can my business use a commercial property owned by my SMSF?
Yes. A commercial property owned by an SMSF can be leased to a related party (such as your business), provided the lease is on arm’s length terms and market rent is paid.
Can my SMSF buy from a related party?
No. Residential property cannot be purchased from a related party. All acquisitions must be conducted at arm’s length and comply with SMSF regulations.
Can SMSF property be used as loan security?
No. The property held within an SMSF cannot be used as security for any other transaction or borrowing outside the SMSF.
Can businesses use SMSF commercial property?
Yes. A commercial property owned by an SMSF can be leased to a related party (such as your business), provided the lease is on arm’s length terms and market rent is paid.
How to use your superannuation to buy investment properties
How to use your superannuation to buy investment properties
How to use your superannuation to buy investment properties
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