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SMSF Property Investment BACKUP 180105

Let us help you turn property into a vehicle for wealth.

Are you considering setting up a Self Managed Super Fund to purchase property?

Getting your Self Managed Super Fund (SMSF) setup right from day one means:

  • You'll be able to enjoy the freedom to explore when you get older without financial stress.
  • Capitalise on opportunities as they are presented to you in the way of further investment opportunities.
  • Spend more time doing less work, and more relaxing.
  • Benefit from the knowledge that your future financial freedom is well taken care of.

SMSF what you need to know

Using superannuation or a SMSF to buy property can be very complex and time consuming for novices.

Setting up a SMSF and buying property through it on finance is difficult even for highly experienced trustees to get their heads around, so don't take the risk: seek expert advise from the team at the Enhanced Group. SMSF property loans get even more complicated when trying to determine what's best for your individual circumstances. You could go to a bank, and they'll have a policy, but they won't have the structure. It's about understanding how the lender fits your position, and that's where we come in.

Buying property with superannuation starts with a good SMSF investment strategy. This plan is one that works towards building your wealth and securing your financial freedom. As the housing market generally runs in economic cycles and different areas may have their own individual property cycle, the first step we help clients with is understanding these trends relative to the core factors involved in property investment in Melbourne.

These Core elements of property markets include:
  • The likely return - yield and capital growth
  • Buying and selling costs
  • Cost to borrow money, ie interest rates
  • How attractive the property will be for likely tenants or future buyers
  • Residential, commercial & industrial
  • Positive or negatively geared
  • Renovation or development

Your friends and the experts are right when they say "do your homework" when it comes to buying a property using super.

This is where we bring you peace of mind, because we specialise in wealth creation using SMSF.

An accurate and detailed budget that takes account of all expenses associated with purchasing a property, including stamp duty, council rates, and more, is just the beginning. From where to buy, how much to pay, the rental return, how much capital growth you need, and when (or if) to sell, we tie everything into our clients' goals with a view to creating wealth. What about positively or negatively geared property investments when using super to buy investment property?

Even with an uncertain economy rental yields are still expected to continue to increase in most capital cities. Like all good investments, you first need to consider the property to be purchased:

  • Location: is it close to schools, shops, day care and sporting facilities?
  • Transport: is it close to bus stops and train stations?
  • Demographics: what population numbers, especially growth and density? 
  • Suitability to rent: are the rooms big enough, are there usable living spaces inside and outside, and other features such as garaging and storage?
  • Future potential: can the property be renovated or developed? Are there any plans to develop surrounding properties, eg high density dwellings?
  • Affordability: are you staying within the second and third quartile of prices in the suburb for price and rent?

Investing super into property is a big commitment, and it's one you need to be comfortable with not only in the future, but also in the present.

Key to this process is listening to you and asking the right questions to get a full picture of your current financial position. This includes your current debt, assets, income, tax position, and more. A thorough understanding of your position allows us to find the solution that perfectly suits the purpose of your desired outcomes.

Beyond being free to give unbiased, honest advice, our independence means we're not limited to a single source when evaluating using your super to invest in property, either. We evaluate hundreds of loan products from over 35 institutions for any given client to ensure they’re getting the best deal possible.

With over 30 years of combined experience in banking, finance and property, we know how to simplify SMSF property investment so you're confident of being on the best path to achieving your goal, and we'll see you through until you get there.

The Process

While consultations are tailored to each individual's needs, this is the general structure for most.

Step 1: Understanding your needs

Step 2: Determine capacity and affordability

Step 3: Review suitable options

Step 4: Finalising purchase

Step 5: Ongoing support to ensure management of claim and cashflow

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What Our Clients Say

Mark, you were very easy to work with and you took the time to sit down with me, provide advice, and find the best option for me. Your proficiency, Calmness and professionalism gave me plenty of confidence on what had been a previously rocky road to getting a loan approved. Ounce again Thanks for everything and I look forward to working with you again in the near future.

Kaspar Lucattini

Money Workshop has helped me to sort out my current situation and also help me plan my future goals. It is a very supportive program and the staff help you through the entire process without any judgement.

Devarshi Desai

Masters in Commerce and Accounting

Money Workshop has been a valuable experience for me as a young adult. It gave me a picture of how I can achieve financial wellbeing and shows it is possible for everyone to achieve financial freedom, as long as we look at our planning and carry it out. I think I am extremely lucky to be able to understand that at such a young age.

Harry Zhang

Masters in Management Accounting

If you have any finance related queries