Are you considering using your superannuation to invest in property? At The Australian Lending & Investment Centre (ALIC), we offer expert solutions tailored to Self Managed Super Fund property investment. With the right strategy and support, an SMSF can be a powerful vehicle to build long-term wealth through property. Whether you're looking to purchase a residential or commercial property using your super, ALIC provides SMSF loan options and refinancing solutions to help you take control of your financial future.
What Is a Self Managed Super Fund (SMSF)?
A Self Managed Super Fund (SMSF) is a private superannuation fund that you manage yourself. Unlike traditional super funds, SMSFs offer more control, flexibility, and the ability to invest directly in a range of asset classes, including residential and commercial real estate.
When used properly, SMSFs can allow you to:
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Diversify your investment portfolio
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Access tax advantages
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Build wealth through property
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Control your retirement outcomes
However, SMSF property investment is governed by strict compliance and lending rules, making expert advice essential.
Why Choose ALIC for Your SMSF Property Loan?
At The Australian Lending & Investment Centre, we specialise in helping Australians secure the right loan structure to support Self Managed Super Fund property investment. Our experienced finance professionals understand the complexities of SMSF loans and offer tailored lending solutions that align with your investment goals and retirement planning.
Benefits of Choosing ALIC:
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SMSF Lending Experts: We have deep expertise in SMSF lending and know how to navigate lenders’ strict criteria.
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Access to a Wide Range of Lenders: We work with multiple lenders that offer competitive SMSF loan products.
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Personalised Loan Structuring: Every client’s needs are different. We create a custom strategy to support your goals.
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End-to-End Support: From pre-approval to property settlement and refinancing—we guide you at every step.
How Self Managed Super Fund Property Investment Works
Key Steps to SMSF Property Investment:
Establish Your SMSF
You must set up a compliant SMSF structure with trustees and a trust deed.
Secure Loan Pre-Approval
At ALIC, we help you assess your fund’s financial position and arrange pre-approval with suitable lenders.
Find an Investment Property
You can invest in residential or commercial properties, provided the investment complies with the sole purpose test.
Use a Bare Trust
SMSF property loans must be made via a bare trust (also called a property trust) to hold the legal title of the property while the SMSF retains the beneficial interest.
Loan Approval & Settlement
Once your property is selected and approved, we manage the documentation, lender communication, and final settlement.
SMSF Loan Refinancing with ALIC
Why Refinance Your SMSF Loan?
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Lower your interest rate
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Reduce loan fees and charges
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Adjust your loan terms
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Improve cash flow
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Increase borrowing power for future investments
We evaluate your existing SMSF structure and work with top-tier lenders to find a more competitive and suitable refinancing solution.
Compliance and Risk Management
When dealing with Self Managed Super Fund property investment, compliance is non-negotiable. Breaches can result in heavy penalties from the ATO. ALIC works closely with financial planners, accountants, and legal advisors to ensure your investment strategy is sound and fully compliant with the superannuation and taxation laws.
Important SMSF Loan Considerations:
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You cannot live in or rent the property to relatives
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The SMSF must have sufficient liquidity
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Property must be purchased via a limited recourse borrowing arrangement (LRBA)
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Regular property valuations and audits are required
Our team ensures you fully understand all regulatory requirements before proceeding with your investment.
Invest with Confidence Through ALIC
With property continuing to be one of Australia’s most stable and high-performing asset classes, Self Managed Super Fund property investment offers a compelling opportunity to grow your retirement wealth. At The Australian Lending & Investment Centre, we take pride in being more than just brokers—we're strategic partners in your financial journey.
We understand that every client’s financial situation is unique. That’s why we focus on providing tailored SMSF loan solutions that support long-term wealth creation.
Ready to Get Started?
Take control of your retirement and build wealth with property. Contact The Australian Lending & Investment Centre today for a confidential consultation or visit our SMSF loan refinancing page:
👉Website: https://alic.com.au/solutions/smsf-loan-refinancing/
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