SMSF Loans Perth
Use your Self Managed Super Fund to invest in property and build wealth in a tax-effective structure. Craig Troman guides Perth investors through the unique requirements of SMSF lending — from finding the right lender to navigating compliance obligations.
Why SMSF Property
Benefits of SMSF Property Investment
Tax-Effective Structure
Rental income inside an SMSF is taxed at just 15% — dropping to 0% in pension phase. Capital gains after 12 months are taxed at 10%, also reducing to zero in pension phase.
Business Premises
Business owners can purchase their commercial premises through their SMSF and lease it back to their business at market rates — a powerful wealth-building strategy.
Residential & Commercial
SMSFs can hold both residential investment properties and commercial real estate, giving you flexibility to diversify your superannuation portfolio.
Asset Protection
The Limited Recourse Borrowing Arrangement protects your other SMSF assets. If the worst happens, lenders can only claim the specific property — nothing else in your fund.
Why Use Craig for Your SMSF Loan in Perth?
Access to lenders who specialise in SMSF lending
30 years of banking and finance experience
Guidance on Limited Recourse Borrowing Arrangements
Coordination with your accountant and SMSF administrator
Clear, jargon-free advice on compliance requirements
Advice focused on your needs — Craig works for you, not the lender
All paperwork and submissions handled on your behalf
Ongoing support as your SMSF property portfolio grows
SMSF Loan FAQs — Perth
Can I buy property through my SMSF?
Yes. SMSFs can borrow to purchase investment properties — both residential and commercial — using a Limited Recourse Borrowing Arrangement (LRBA). The property must meet the 'sole purpose test' and cannot be purchased from, or used by, a related party (with some exceptions for commercial property).
What is a Limited Recourse Borrowing Arrangement (LRBA)?
An LRBA is the legal structure used when an SMSF borrows to purchase an asset. The lender's recourse is limited to the asset being purchased — meaning if the SMSF defaults, the lender can only claim that specific asset, not the other assets of the fund. This protects your other superannuation savings.
What are the benefits of buying property in an SMSF?
Key benefits include a concessional tax rate of 15% on rental income (dropping to 0% in pension phase), potential capital gains tax benefits after 12 months, and the ability to build wealth inside a tax-effective structure. It also allows business owners to purchase their business premises through their SMSF.
Are SMSF loans harder to get than regular home loans?
SMSF loans have stricter criteria than standard investment loans. Lenders assess the SMSF's ability to service the debt, not just the individual members. Craig has experience navigating SMSF lending requirements and works with lenders who specialise in this area.
Ready to Invest Through Your SMSF?
Talk to Craig for a no-obligation consultation about SMSF property lending. He'll explain your options clearly and help you take the next step.
Call Craig: 0401 698 739