SMSF Loans
Property Investment Inside Your Super, Done Properly
We assess your SMSF structure, trust deed, existing fund balance and investment strategy before recommending a Limited Recourse Borrowing Arrangement. Our brokers understand the strict regulatory requirements of SMSF lending and work closely with your accountant and financial adviser to ensure every detail is correct.
Regulatory Compliance First
SMSF loans carry strict compliance requirements under Australian superannuation law. We work alongside your SMSF trustee, accountant and legal adviser to ensure every aspect of the transaction meets ATO requirements.
Access to SMSF-Specialist Lenders
Not all lenders offer SMSF loan products. We have access to a panel of lenders who specialise in Limited Recourse Borrowing Arrangements, giving you access to competitive rates within the SMSF lending market.
Tax-Efficient Wealth Building
Rental income generated inside an SMSF is taxed at a maximum of 15% in accumulation phase — and potentially 0% in pension phase. We help you understand how to structure your loan to maximise these tax advantages.
Achieving Your Retirement Vision
An SMSF property investment, structured correctly, can generate a steady rental income stream and long-term capital growth, all within a tax-advantaged environment. Freedom Capital Solutions helps you get the structure right from the start.
How Can Our Team Help You to Reach Your Goals
Review Your SMSF Structure
We begin by reviewing your SMSF trust deed, existing balance, investment strategy and trustee arrangements to confirm the fund is eligible to borrow and that the proposed investment aligns with your retirement strategy.
Identify the Right Property & Lender
We help you understand which property types are acceptable to SMSF lenders and compare loan products from our specialist panel to find the most competitive SMSF loan for your circumstances.
Coordinate Your Professional Team
SMSF loans require close collaboration between your broker, accountant, solicitor and financial adviser. We coordinate with your team to ensure the bare trust, loan documentation and SMSF deed amendments are all in order.
Settlement & Ongoing Management
We manage the loan application and settlement process, and remain available for ongoing reviews as your SMSF property investment grows and your retirement strategy evolves.
