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Borrowing for property investment via Super: Rules & Benefits

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Regulators have loosened their grip to allow SMSF members to purchase property using borrowed funds. But is this the right strategy for you?

 

Property ownership is a popular investment for many reasons – relative stability, foreseeable growth… Plus, it’s tangible. So if you’re thinking about investing in property, but don’t have enough funds to make an outright purchase, you may be interested to know that it’s possible to borrow money from a lender to purchase property through your Self-Managed Super Fund (SMSF) and receive many of the same benefits as traditional property investment.

Is property ownership the right investment decision for you?

Before we all get too excited about the possibility of owning a new property (or perhaps adding to our existing portfolio), first thing’s first.

Whether or not you’re able to meet the strict borrowing rules and regulations in a SMSF context, you need to decide whether property ownership is the right decision for you – whether property is the best possible next step for your SMSF portfolio.

  • Does property represent an appropriate level of risk exposure, given your current cash flow requirements and diversification preferences?
  • Do you have resources available for any improvements required to the property, given borrowed funds can only be used for repairs?
  • Are you aware that you cannot live in or rent the property yourself (or any of your ‘related parties’), unless you purchase a commercial property and use a trust to rent the property to a business you own?
  • Are you prepared to hold the property for a full cycle of seven to ten years, if the market enters a downturn after purchase?            

These are just a few of the considerations relevant to purchasing property using borrowed SMSF funds. If you’re serious about proceeding, we strongly recommend that you seek independent financial advice and become acquainted with the finer details, including those available on ASIC’s website.

Great, you’ve done your research. Now, what’s in it for you?

The big drawcard here is that you don’t need to exhaust your superannuation balance to purchase a single asset. Previously, regulators prohibited the borrowing of SMSF funds, limiting members to either choose between waiting until they had enough funds or steering clear of property altogether. Now, you can maintain your other investments and purchase a property using borrowings, using what’s known as a limited recourse borrowing arrangement (LRBA).

Positively geared investments are also taxed at your SMSF’s rate of 15%, rather than your nominal tax rate, creating what could be a fairly substantial tax incentive. And the rent you receive from the property before you commence a pension could prove to be a significant alternative income generator for your fund. Similarly, any rent you receive after you commence a pension is also tax-free.

There is also the possibility of eliminating capital gains tax (CGT) on the investment, if you sell the property and collect your profits after you enter the pension phase.

Like any investment, you’ll need to weigh up whether buying a property using borrowed funds through your SMSF is a good next step for you. Get it right and you might just find that your future (retired) self is mighty pleased you did.

For more information about SMSFs, download our free SMSF Guide to Investing in Property eBook or Information Package today. If you’re ready to establish an SMSF, you can apply now with ESUPERFUND.


Sources:

https://www.moneysmart.gov.au/superannuation-and-retirement/self-managed-super-fund-smsf/smsfs-and-property

https://www.ato.gov.au/Super/Self-managed-super-funds/In-detail/SMSF-resources/SMSF-technical/Limited-recourse-borrowing-arrangements---questions-and-answers/

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podcast

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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Caifu Property\u2019s Automatic Equity program is designed to add a minimum of double the value of your salary to your portfolio every 12-18 months.\u00a0The program deals with five to six figures of instant equity, helps time poor investors generate equity in the shortest time possible without compromising your lifestyle or demanding your time.\u00a0<\/p>\r\n

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Why buying new property doesn’t mean buying better property

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