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Self-Managed Superannuation Fund Loans

Thinking About Self-Managed Superannuation Fund Loans

Are you looking to take control of your superannuation “retirement nest egg” and utilise a range of diversification opportunities? Do you have sufficient investment funds and the skills to do so?

SMSFs aren’t for everyone and you should think carefully before deciding to set one up. It’s a major financial decision and you need to have the time and skills to do it. There may be other, better options for your super savings. Either way you should certainly get professional advice.

We have Strategic Partners in place who can assist with all aspects of the SMSF transaction:

Accountant who is fully conversant with SMSF to look after the taxation responsibilities of the fund

You will need someone who understands the complexities of a SMSF strategy and is prepared to work with you to ensure you operate within the law. Incorrect or poorly managed SMSFs can lead to a potential legal minefield and open the trustees to huge fines if they operate outside the very specific guidelines.

SMSF Auditor to ensure your fund is compliant

Your Accountant or Financial Advisor will normally help you to locate a qualified auditor who will check the fund has conducted business in a compliant manner and met the funds regulatory requirements.

Financial Advisor who is qualified and can provide logical and sound SMSF investment advice

Is a SMSF the right investment vehicle for you and do you have the skills and understanding to manage one? A skilled Financial Advisor will discuss the pros and cons of a SMSF and can help you identify the types of investments that will help you meet the fund investment strategy.

Qualified Mortgage Broker (or lending project manager) who can source appropriate lending products

A good Mortgage Broker will not only find a loan to help you fund your investment, but they will also take control of the SMSF Limited Recourse Borrowing Arrangement transaction.

When it comes to borrowing through a SMSF there are very specific rules that must be followed and, if you go outside those rules, the consequences can be disastrous for the trustees and the fund. There also needs to be someone (much like a supervisor or manager) who oversees the whole process to ensure that all the related parties are completing their tasks and communicating, and our Lending Specialists staff have those skills.

To discuss the options available or for your personal introduction to any of our professional SMSF experts, contact Lending Specialists staff on 03 8805 1800 or info@lendingspecialists.com.au

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