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Why should I purchase residential property through my SMSF?

By eSuperfund

Promoted by esuperfund



Let’s face it, buying a house is an exciting achievement. Many Aussies dream of growing their wealth through property investment. And given Australia’s real estate market grown and grown over two decades, who wouldn’t?

 

Luckily, if you dream of joining the property-investing elite, there are ways to do so. Buying a house through your self-managed super fund (SMSF) is a great way to enhance your wealth and create a comfortable retirement.

But before you dive into that seemingly perfect investment, you need to know whether buying a house through your SMSF is right for you.

Diversify your assets

If your SMSF has enough assets, purchasing a residential property is a great way to further diversify your investments. Ensuring you have diversified investments is an important strategy to mitigate potential losses. Put simply, if the market falters, or one of your investments fails, you want the rest of your portfolio to have your back.

 

Earn extra protection through hard-to-get loans

It is more difficult to obtain a loan through a SMSF than a regular loan. While this may seem like a drawback, it’s actually a benefit because it provides a little extra protection on what can be a risky investment. SMSF loans are limited recourse loans, which means that if your property investment fails, the rest of your fund is not at risk. This, in turn, makes lending rules stricter and you’ll need to put down a larger deposit of at least 20-30%. Thankfully, a smaller loan also means the fund will pay the loan off quicker.

 

Enjoy great tax incentives

Despite generally yielding lower rental income, well-bought residential properties typically appreciate in value more than commercial properties. So if you hold onto your residential property long-term, your fund could make more money. If you sell, capital gains on SMSF investments are taxed at the rate of 10%, providing you've held the property for over one year. However, if you decide to sell your investment once you’re drawing a pension from the fund, the property will be exempt from capital gains tax.

Rental income is taxed slightly higher at 15%. Again, you can enjoy tax-free rental if you’ve already retired!

 

Don’t buy from family and friends, or let them live there

Buying a property is never simply sunshine and roses. There are rules you have to follow. You can’t buy a property through your SMSF from a person you know, like a friend or family member. Nor can you let them live there, or live there yourself. The same goes for a holiday home – no one you know can stay there. Ever.

There are very strict laws around this – and breaching them is never worth the risk. On the upside, these rules are designed to protect your fund by ensuring  transactions are made on a commercial basis and with wealth accumulation in mind.

It’s important not to get caught up in the excitement of buying a residential property. It’s vital that you carefully consider whether buying a residential property through your SMSF is right for you. 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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  ["title"]=>
  string(51) "Boost for investors as app sets up off-site bidding"
  ["alias"]=>
  string(55) "boost-for-investors-as-new-app-sets-up-off-site-bidding"
  ["introtext"]=>
  string(144) "

Property investors are now able to identify and bid on auctions remotely using a new live-streaming functionality launched by Gavl.

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Called “Request an Auction”, the new functionality enables users to watch and bid on any Sydney or Melbourne auction remotely.

Through Gavl, prospective buyers are now able to register to bid on their preferred auction. The platform will obtain permission from the listing agent and confirm within 48 hours.

Vendors can also request to have their auctions broadcast to a larger buyer audience.

Co-founder Joel Smith said that auctions streamed on Gavl attract 47 per cent more viewers than traditional ones.

He said that Request an Auction will be valuable for remote buyers.

“Buyers are able to have Gavl attend any auction they nominate, so they will never have to miss out on an opportunity due to logistical complications in physically attending the auction.

“Vendors, too, have the opportunity to directly book an auction with us, so they can open up their event to buyers all around the world. With more potential buyers, they’re giving their property the chance to receive more bids and maximise their sales result.”

Mr Smith said that prior to the Request an Auction app, buyers were limited to what they could achieve through the Gavl technology.

Gavl is a live-streaming and bidding platform for real estate auctions.

Mr Smith said that it has streamed more than 6,000 auctions, which have achieved 3.5 million views from 50 countries.

Gavl’s Request an Auction function is currently being offered in Melbourne and Sydney only.

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Boost for investors as app sets up off-site bidding
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  ["title"]=>
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Having to split her time between Hong Kong and her original base of Sydney has not slowed Julia Tita’s goal of building a high-performance Australian property portfolio. Instead the resulting alterations to her strategy have positively impacted her investing success.

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Having recently purchased her 6th property, Julia joins host Tim Neary to discuss her journey, share her ups and downs over the years, and reveal her thoughts on why some properties are better than others.

Julia also explains why she no longer makes a move without the help of a buyer’s agent, why working with a strong team of specialists is extremely important and discloses her long-term property ambitions.

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!

RELATED AREAS OF INTEREST:

Why is Australian property so unaffordable?
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Going global
Australia desirable to foreign investors

AREAS MENTIONED:

Eagleby
Charters Towers
Townsville
Brisbane
Paddington
Sydney
Orange
Melbourne 
Glen Iris
Bondi

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How a move to Hong Kong impacted Julia’s Australian property goals
object(stdClass)#1197 (52) {
  ["id"]=>
  string(5) "18159"
  ["title"]=>
  string(88) "‘Common’ referrer practice of being paid on both sides of the fence coming to an end"
  ["alias"]=>
  string(82) "common-referrer-practice-of-being-paid-on-both-sides-of-the-fence-coming-to-an-end"
  ["introtext"]=>
  string(246) "

The practice of property investment firms sharing undisclosed kickbacks among the supply chain involved in development sales will be outlawed in NSW on 1 July this year under the Real Estate Reform being handed down by regulators in NSW.

" ["fulltext"]=> string(2238) "

Property commentator and valuer, Suburbanite’s Anna Porter, said the reform will address conflicts of interest.

She said they arise when a mortgage broker, accountant or financial planner receives part of the commission from the property firm, who receive their fees from the developer or seller.

“This puts the broker into a position by which they are being paid on both sides of the fence,” she said.

“Until now this has been a grey area and there was nothing stopping this practice.” 

Ms Porter said this has been a common practice in the industry.

"Some well-known mortgage broking firms openly admit to receiving $5,000–$10,000 per referral in their pocket.”

She also said this process has been going on for decades.

"Property investment firms commonly pass some of their commission on to the mortgage broker, accountant or financial planner as a reward to them for passing on the referral. This means that many brokers or financial service providers are making significant amounts of money just to refer on to a property firm, often totalling hundreds of thousands of dollars a year," Anna Porter said.

Ms Porter said the Property, Stock and Business Agents Amendment (Property Industry Reform) Bill 2017 will be in force from July this year, and will prohibit this practice unless the broker or referring partner also holds a real estate industry license.

"Under the new laws, if the broker takes a referral fee from the property firm, they will have to be a licensed real estate agent and also hold a corporation’s license,” she said. 

“Subsequently, every transaction that they receive a referral fee from, they will be putting their license up against the transaction and taking full liability for the conduct, practices and outcome of that transaction, even if they have little to do with the transaction; they are a party to it financially and therefore take as much risk as everyone else in the transaction.”

Mr Porter said where a referrer holds a real estate license, and receives a part of the sale commission, they may find themselves in breach of the ethical requirements under the act.

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‘Common’ referrer practice of being paid on both sides of the fence coming to an end

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