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4 must-know tips about buying property through your SMSF

By eSuperfund

Promoted by esuperfund

Buying property through your SMSF can be a highly effective way to build your retirement savings. Heres what you need to know to get it right.

Self-managed super funds (SMSFs) offer investors the opportunity to buy property with cash accrued in their super fund. This comes with some lucrative benefits that may help build your retirement savings, but keep an eye out for the rules governing what you can and can’t do with your SMSF property investments.

SMSFs offer a key benefit of using the accrued cash in your SMSF to fund the purchase of investment properties.

This has, in part, driven a recent surge in the popularity of SMSFs. According to the Australian Taxation Office, the number of SMSFs grew by 27 per cent in the five years to 2014-15.

If you have the cash available in your SMSF, you can buy an investment property outright and set up a rental income stream that will pay into your fund leading up to and during your retirement. You can also borrow money to buy property through your SMSF, which may help grow your portfolio for potentially big capital gain returns when you retire.

Here are four things you need to know about buying property through your SMSF:

1. You need a clear investment strategy

Before you dive into property listings, you need an investment strategy in place to ensure any properties you buy are aligned with your financial goals.

For example, you need to decide if you want to draw an income from rent paid on the property you buy, or cash in on long-term capital gains when you sell – or a combination of both. Either way, your investment strategy will determine the type of property you should buy, and how you finance it.

2. You can buy residential and commercial properties

You can buy both residential and commercial properties through your SMSF. If you have the available cash in your SMSF to buy a property outright, you can do so without taking out a loan. Or you can choose to use the cash in your SMSF to cover the deposit and borrow the rest.

The direction you choose depends on your investment strategy. If you want a positively geared property that generates income via rent, you’ll want to borrow as little money as possible. However, if your strategy is focused on long-term capital gains, you may consider borrowing a higher proportion in order to build your property portfolio faster.

3. There are tax benefits before and after retirement

The tax benefits of buying a property through your SMSF begin well before you retire. Capital gains and rental income generated by your SMSF-owned property are generally taxed at a low rate of 15 per cent – and the tax rate on capital gains drops to just 10 per cent after you’ve held the property for more than a year.

You’ll also stand to benefit when your SMSF goes into pension phase after you retire. If you sell an SMSF-owned property after this point, you’ll pay no capital gains tax. If you hold on to the property, you are not required to pay tax on any rental income you receive during the pension phase.

4. You can use your investment property as your business property

While you can’t live in your SMSF-owned property, use it as a holiday house, or rent it to your family members, you can use your SMSF to purchase your business property. In this case, your business becomes a tenant of your SMSF and pays rent to it like it would to any other landlord.

It’s important to make the distinction here that your SMSF is buying your business premises only – not the business itself. SMSFs are prohibited from buying or running businesses. 

Buying property through your SMSF can be a powerful way to build your retirement savings, but you’ll need a clear investment strategy and the determination to stick to it.

Download the SMSF Guide to investing in Property eBook or Information Package to learn more about using your SMSF to start property investing.


Sources: 

https://www.esuperfund.com.au/Libraries/website-pdf/smsf-property.pdf

https://www.ato.gov.au/media-centre/media-releases/ato-releases-latest-smsf-statistics/

https://www.ato.gov.au/super/self-managed-super-funds/investing/restrictions-on-investments/related-parties-and-relatives

https://www.ato.gov.au/Super/Self-managed-super-funds/Investing/Tax-on-income/

https://www.ato.gov.au/super/self-managed-super-funds/investing/restrictions-on-investments/business-real-property/

https://www.ato.gov.au/Super/Self-managed-super-funds/Investing/Tax-on-income/Deductions/

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With the softening market impacting property values in many parts of Australia, Sally Dale, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

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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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

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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object(stdClass)#1305 (52) {
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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

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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Launceston
Raceview

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They weren’t even living together at the time. Now, two years on, the pair have bought five p" ["access"]=> string(1) "1" ["hits"]=> string(3) "134" ["xreference"]=> string(0) "" ["featured"]=> string(1) "0" ["language"]=> string(1) "*" ["readmore"]=> string(4) "2893" ["ordering"]=> string(1) "2" ["category_title"]=> string(25) "Smart Property Investment" ["category_route"]=> string(25) "smart-property-investment" ["category_access"]=> string(1) "1" ["category_alias"]=> string(25) "smart-property-investment" ["published"]=> string(1) "1" ["parents_published"]=> string(1) "1" ["lft"]=> string(2) "47" ["author"]=> string(12) "Todd Stevens" ["author_email"]=> string(33) "[email protected]" ["parent_title"]=> string(4) "ROOT" ["parent_id"]=> string(1) "1" ["parent_route"]=> string(0) "" ["parent_alias"]=> string(4) "root" ["rating"]=> string(1) "0" ["rating_count"]=> string(1) "0" ["alternative_readmore"]=> NULL ["layout"]=> NULL ["params"]=> object(Joomla\Registry\Registry)#1319 (3) { ["data":protected]=> object(stdClass)#1335 (94) { ["article_layout"]=> string(14) "spbase:article" ["show_title"]=> string(1) "1" ["link_titles"]=> string(1) "1" ["show_intro"]=> string(1) "1" ["info_block_position"]=> string(1) "0" ["info_block_show_title"]=> string(1) "1" ["show_category"]=> string(1) "1" ["link_category"]=> string(1) "0" ["show_parent_category"]=> string(1) "0" ["link_parent_category"]=> string(1) "0" ["show_associations"]=> string(1) "0" ["flags"]=> string(1) "1" ["show_author"]=> string(1) "1" ["link_author"]=> string(1) "0" ["show_create_date"]=> string(1) "0" ["show_modify_date"]=> string(1) "1" ["show_publish_date"]=> string(1) "1" ["show_item_navigation"]=> string(1) "0" ["show_vote"]=> string(1) "0" ["show_readmore"]=> string(1) "1" ["show_readmore_title"]=> string(1) "0" ["readmore_limit"]=> string(3) "100" ["show_tags"]=> string(1) "1" ["show_icons"]=> string(1) "0" ["show_print_icon"]=> string(1) "0" ["show_email_icon"]=> string(1) "1" ["show_hits"]=> string(1) "0" ["show_noauth"]=> string(1) "0" ["urls_position"]=> string(1) "0" ["captcha"]=> string(0) "" ["show_publishing_options"]=> string(1) "1" ["show_article_options"]=> string(1) "1" ["save_history"]=> string(1) "0" ["history_limit"]=> int(10) ["show_urls_images_frontend"]=> string(1) "0" ["show_urls_images_backend"]=> string(1) "1" ["targeta"]=> int(0) ["targetb"]=> int(0) ["targetc"]=> int(0) ["float_intro"]=> string(5) "right" ["float_fulltext"]=> string(5) "right" ["category_layout"]=> string(6) "_:blog" ["show_category_heading_title_text"]=> string(1) "0" ["show_category_title"]=> string(1) "0" ["show_description"]=> string(1) "0" ["show_description_image"]=> string(1) "0" ["maxLevel"]=> string(1) "0" ["show_empty_categories"]=> string(1) "0" ["show_no_articles"]=> string(1) "1" ["show_subcat_desc"]=> string(1) "0" ["show_cat_num_articles"]=> string(1) "0" ["show_cat_tags"]=> string(1) "0" ["show_base_description"]=> string(1) "1" ["maxLevelcat"]=> string(2) "-1" ["show_empty_categories_cat"]=> string(1) "0" ["show_subcat_desc_cat"]=> string(1) "1" ["show_cat_num_articles_cat"]=> string(1) "1" ["num_leading_articles"]=> string(2) "15" ["num_intro_articles"]=> string(1) "0" ["num_columns"]=> string(1) "0" ["num_links"]=> string(1) "0" ["multi_column_order"]=> string(1) "0" ["show_subcategory_content"]=> string(1) "0" ["show_pagination_limit"]=> string(1) "1" ["filter_field"]=> string(4) "hide" ["show_headings"]=> string(1) "1" ["list_show_date"]=> string(1) "0" ["date_format"]=> string(0) "" ["list_show_hits"]=> string(1) "0" ["list_show_author"]=> string(1) "0" ["list_show_votes"]=> string(1) "0" ["list_show_ratings"]=> string(1) "0" ["orderby_pri"]=> string(4) "none" ["orderby_sec"]=> string(5) "rdate" ["order_date"]=> string(9) "published" ["show_pagination"]=> string(1) "2" ["show_pagination_results"]=> string(1) "1" ["show_featured"]=> string(4) "show" ["show_feed_link"]=> string(1) "1" ["feed_summary"]=> string(1) "0" ["feed_show_readmore"]=> string(1) "0" ["sef_advanced"]=> int(0) ["sef_ids"]=> int(0) ["custom_fields_enable"]=> string(1) "1" ["show_page_heading"]=> NULL ["layout_type"]=> string(4) "blog" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["secure"]=> int(0) ["page_title"]=> string(16) "Promoted Content" ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-08-09 06:25:20" ["slug"]=> string(70) "18404:a-joint-property-portfolio-before-they-were-even-living-together" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(90) "/investor-stories-1/18404-a-joint-property-portfolio-before-they-were-even-living-together" }
A joint property portfolio before they were even living together

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