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James Power

Self Managed Super Fund (SMSF) Lending | Mortgage Broker Wahroonga, Turramurra, St Ives, Pymble

Buying property through your Self Managed Super Fund (SMSF) can be an effective way to build wealth for your retirement. But it can be a complex process. With over 20 years across financial services, including financial planning, James is uniquely placed to put together unique strategies for anyone looking to make the most of their super. 

Investing in property through your SMSF

There's no way around it: investing through your SMSF can be complicated. There's lots of regulations to follow, and it helps to have a great team of finance professionals behind you - an accountant, financial planner and of course - a mortgage broker. 

When looking to use your SMSF to purchase property, it is important to understand some of the key risks that come with an SMSF home loan:

  • Compliance costs: SMSFs need to value all of their assets at market value, and the valuation needs to be based on objective and verifiable data. 
  • Higher costs: Loans using SMSF can be more costly than other property loans.
  • Cash flow: When buying property using SMSF, your loan repayments must come from your SMSF’s bank account. 
  • Difficult to cancel: You are unable to unwind the arrangement for a SMSF property. If there is an issue with your loan documents and contract, you may have to sell the property, this can potentially cause substantial losses to your SMSF.
  • Possible tax losses: You are unable to offset tax losses from the SMSF property with taxable income outside your fund.
  • Commercial property tax considerations: If you’re investing in a commercial property and your earnings are in excess of $75k you are required to register for GST. 

Our Home Loan Calculators

We make the complex sound simple

It can sound overwhelming, but our Mortgage Choice SMSF team are here to help. Our goal is to make the complexities of SMSF lending simple! We work to make the process as painless as possible for you and save you time so you can focus on other parts of your investment. 

One you've consulted with your financial planner or accountant, we can help by comparing lending products from over 35 lenders. We will provide you with a shortlist on which options would be suitable for your fund, guide you through the process and continue supporting you after settlement. 

We speak their language

One of the prime causes of delays with loan applications - especially complex ones - is when the lender does not understand the client’s finances. As a result, the lender may waste time asking for unnecessary information or may even reject your loan application. That's where our Mortgage Choice SMSF team can help.

Our background in risk management means we can pre-empt these pushbacks in the credit application process and package the application in a way the lender can easily understand. In other words, we speak their language.

Get in touch with James Power & the team

Our commitment: we will be there for you at every stage of your SMSF property investment journey. We are based in Sydney's Upper North Shore and service all areas across Sydney & beyond. We can meet with you in person (Hornsby Shire, Wahroonga, Turramurra, St Ives, Pymble) or via phone / video.

Get in touch with James Power and the team today! Call 1300 194 750 or book an appointment below.

Call: 1300 194 750 Book an appointment

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