SMSF Loans

A Self-Managed Super Fund (SMSF) loan allows SMSFs to borrow money to purchase investment properties, with returns such as rental income and capital gains funneled back into the fund to boost retirement savings. These loans are distinct from traditional home loans due to their structure and regulatory requirements.

Benefits of SMSF Loans

Control Over Investments: Trustees have full control over investment decisions, allowing for a diversified portfolio tailored to their retirement strategy.
Potential Tax Benefits: SMSF investments can enjoy tax advantages, such as lower capital gains tax (10% after holding the property for more than 12 months) and reduced tax on rental income (15%).
Increased Borrowing Power: Using borrowed funds allows SMSFs to acquire higher-value properties, potentially enhancing investment returns and retirement savings.

*Terms and conditions apply. Approval is subject to lending criteria and credit checks.

Ryze Finance Difference

Expert Guidance: We provide professional advice to navigate the complexities of SMSF loans, ensuring compliance with all regulatory requirements.
Tailored Solutions: Our loan products are customized to meet the specific needs of your SMSF, maximizing the potential for your retirement savings.
Continuous Support: From the initial setup to ongoing management, we offer continuous support to ensure your SMSF investments succeed.