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Case study - Buy property with borrowings

By eSuperfund

Promoted by esuperfund

Buying property with borrowings could require a great deal of preparation and ongoing attention to ensure that the various SMSF regulations are met.


Scenario:

Emma and Tom Freeman wish to use their Super to purchase a residential Property. After learning more about the SMSF, they decide to set up an SMSF to do so. Within their SMSF, they have $250,000 in cash and $50,000 in other assets. They are interested in acquiring a residential Property worth $500,000. This means that they don't have sufficient funds in their SMSF to afford the full price of the Property. In this situation, Emma and Tom choose to apply for an SMSF Property Loan.

How does it work?

After seeking independent Financial and Legal advice to ensure that their Investment decision complies with the relevant superannuation laws, they are assured that they are eligible for buying this residential Property with borrowings.

As the SMSF is not allowed to purchase the Property directly where borrowings are used, they will need to set up a separate holding trust, typically referred to as a Bare Trust or Security Custodian Trust, which will be the legal owner of the Property.

To purchase the property, the Freeman SMSF can use the $250,000 it has available in cash and borrow the remaining funds plus other associated costs, using the residential Property as security for the loan.

Whilst the Security Custodian Trustee will actually purchase the Property it is the SMSF who will borrow from the Lender to fund the Property purchase and receive the rental income. The rent can be used by the SMSF trustees, Emma and Tom, to make the loan repayments. Once the loan is repaid the legal ownership of the property can be transferred to the Freeman SMSF.

Importantly, the loan is a limited recourse loan. That means in the event that the SMSF defaults on the Loan the Lender can repossess or sell the Property only, but cannot repossess or sell any other asset under the Freeman SMSF to recoup any loan shortfall (if any).

It is complicated.

SMSF Loan Arrangements are complicated! Failure to correctly implement the above arrangements may result in a breach of Superannuation Laws. The breach may mean the SMSF is not complying, which may result in significant tax penalties or may result in civil or criminal consequences for the SMSF Trustees. So it is important to get it right. To assist with this complicated process, ESUPERFUND will guide the Trustees through the entire setup process to ensure the Property purchase is executed correctly. For more information on the loan theory with borrowings, please visit here.

 

For more information about SMSFs, download our free SMSF Guide to investing in Property eBook or Information Package today. If you're interested in investing in property through an SMSF, ESUPERFUND helps make it easy, with a fast, streamlined process. And if you act now, ESUPERFUND is offering a Special Free Offer! Click here for details.

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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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The different reasons to start rentvesting

 

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Why buying new property doesn’t mean buying better property

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