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Self-Managed Super Fund Lending

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Government legislation permitting Self-Managed Super funds (SMSF) to borrow money for the purpose of acquiring property is still relatively new.

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Many people view this avenue as a means to diversify their portfolio via a tax effective mechanism in order to further provide for their retirement phase in life.

Things to consider when Borrowing in a SMSF:

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  • The costs associated with establishing a SMSF and the Bare Trust which beneficially owns the acquired property can often be far greater than originally estimated

  • SMSF legislation is both complex and continually changing with lack of compliance to these laws being viewed negatively by governing bodies such as the ATO

  • Once these facilities are established they are very difficult to “unwind”

  • It is extremely important to obtain independent financial advice by a qualified individual accredited to discuss SMSF

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JCM Finance can assist by liaising with your Advisors (ie Accountant; Solicitor; Financial Advisor) to ensure that the most appropriate funding package is obtained to meet your needs whilst adhering to the recommendations provided by your Advisors.

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