Superfund lending


Are you looking for a way to diversify your superannuation portfolio and achieve your retirement goals? Have you considered self-managed superfund lending?


First things first, any decision around this or discussion must be held with a financial planner and your accountant, the right advice is paramount to ensure you stay compliant to the laws that sit around SMSF lending. 






Self-managed superfund lending is a type of investment loan that allows your SMSF to use its funds as a deposit to purchase an investment property and borrow the remaining amount required to fund the purchase. This can allow your SMSF to invest in properties that it may not otherwise have the funds to immediately purchase.

The benefits of SMSF lending include:

  • Potential capital growth and rental income from the property
  • Tax advantages such as deductions for interest and depreciation, and lower capital gains tax rate.
  • Greater control and flexibility over your superannuation investments
  • Ability to leverage your superannuation funds and increase your returns.

However, SMSF lending also involves some risks and challenges, such as:

  • Higher interest rates and fees than regular loans
  • Strict borrowing rules and compliance requirements
  • Limited property choices and loan features
  • Higher responsibility and liability for the SMSF trustees
  • Possible negative impact on your cash flow and liquidity

Therefore, before you decide to apply for a SMSF loan, you should do your research, seek professional advice, and weigh the pros and cons carefully. You should also compare different SMSF loan products and providers to find the best option for your needs.


I have posted on social media where I talk through how this all works so come on over and have a listen - 


Part 1 on TikTok - https://vt.tiktok.com/ZSF57Rhyh/

Part 2 on TikTok - https://vt.tiktok.com/ZSF5WWr7y/


Don't have TikTok and would prefer Instagram? Easily done - 


Part 1 on Instagram - https://www.instagram.com/reel/C2Zgf9-pZfb/?igsh=MWJiNXhzZzNydWFjMA==

Part 2 on Instagram - https://www.instagram.com/reel/C2g4qXsJn4Z/?igsh=bG12MTdubHUxNGNt

Or you can contact me for a private, free consultation and I will be happy to assist you with your SMSF lending needs. - josh@newstartfs.com.au or +61 415318674 





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