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SMSF Loans & Property Investment.

Expert SMSF Loan Specialists for Melbourne Investors.

Secure Your Retirement with Strategic Property Investment.

Are you a Melbourne-based professional or business owner looking to accelerate your retirement savings? With over 1.1 million Australians now using Self-Managed Super Funds (SMSF), savvy investors in suburbs from Toorak to Brunswick are leveraging their super to build direct property portfolios.

At LoanBrix, we specialise in the intricate world of SMSF lending in Melbourne. We connect you with specialist lenders who understand the Local Council regulations, stamp duty intricacies, and the competitive Victorian property market.

Why You Need LoanBrix on Your Side

The ATO strictly monitors SMSF property investment. Non-compliance can lead to your fund being declared “non-complying,” resulting in a 47% tax rate. At LoanBrix, we don’t just look at the loan; we ensure your strategy is compliant.

We help you verify:

  • The property is held in the correct Bare Trust structure.

  • The loan contract meets Superannuation Industry (Supervision) Act 1993 standards.

  • All transactions are conducted at arm’s length.

You don’t need to navigate this alone. SMSF lending requires expert guidance and a coordinated team. Our experienced finance brokers work alongside your accountant and financial planner to structure the deal correctly from day one.

Our Specialist Team Offers the Following:

  • Specialist Panel: We use lenders who understand the complexities of Limited Recourse Borrowing Arrangement (LRBA) structures.

  • Speed: We know which credit teams turn around Victorian valuations quickly.

  • Clarity: We translate complex super law into plain English.

LoanBrix’s Guide to SMSF Borrowing (LRBA)

To borrow, your fund must enter a specific structure involving a Bare Trust. The lender loans money to this trust, which holds the title of the property until the loan is repaid.

The LoanBrix Checklist for Approval:

  • Fund Balance: Lenders generally prefer an SMSF balance of at least $150,000 – $200,000 after the deposit is paid.

  • Consistent Contributions: Evidence of regular employer contributions or salary sacrifice.

  • Cash Flow: The property should ideally be neutrally or positively geared. SMSFs cannot negatively gear against your personal income.

📍 SMSF Property Loans for Melbourne Investors

Melbourne’s diverse market offers unique opportunities, but local knowledge is key.

  • Established Housing: Strong demand in the inner and middle-ring suburbs.

  • Regional Victoria: High rental yields in areas like Geelong and Ballarat (often exceeding Melbourne metro).

  • Commercial Property: SMSFs are also excellent vehicles for purchasing warehouses or office space (which your business can lease from your fund, at market rates).

Ready to Explore SMSF Property?

Whether you’re looking at a townhouse in Richmond or a development site in Mornington, using your super could be your smartest move.

Contact LoanBrix today for a confidential chat with an SMSF home loan specialist. We’ll help you assess whether your fund is ready to buy.

Frequently Asked Questions (FAQs)

Can Your SMSF Buy Property in Victoria?

Yes. However, the strategy differs significantly from buying in your personal name. Your SMSF can acquire property in two ways:

  1. Outright Purchase: If your fund has sufficient liquidity (cash).

  2. Borrowing via LRBA: Using a Limited Recourse Borrowing Arrangement (LRBA) to leverage your super balance.

Critical Rule: Barring a few strict exemptions,  the property generally cannot be used as your primary residence or be rented to family members. It must be held solely to fund your retirement. Leasing commercial property, however, has different rules. This can be a very complex area depending on your situation. Please contact us for more information.

Can I use my SMSF to renovate a property?

Only using existing cash reserves in the fund. You cannot use the LRBA loan amount for renovations that increase the property’s value.

Is Stamp Duty different for SMSF purchases?

Generally, no. SMSF purchases are subject to the same Victorian State Revenue Office stamp duty rates. However, the fund must pay this, not you personally. Please note that other States and Territories have different rules.

As with any property purchase, it is crucial to obtain advice from a local conveyancer or solicitor.

What if my SMSF defaults?

Under the LRBA, the lender can only take the property. Your other super investments (shares, ETFs, cash) are protected.

Disclaimer: This page provides general information only and does not constitute financial or legal advice. Please contact us for advice specific to your situation.

LoanBrix Pty Ltd is a licensed credit broker.

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