Home Loans via SMSF

The Self-Managed Super Fund (SMSF) loan is a good option if you can’t purchase the property outright. We offer SMSF home loans that can allow you to tap into your funds to invest in the property.

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Traction Finance and Mentoring focus on finding the best solution for you.

Be it a home loan for first-time home buyers, investment for commercial property, a construction loan, or more.

What Exactly is SMSF?

The SMSF is a private fund letting you manage your superannuation investment. Keep in mind that not everyone can set up their superannuation funds, which is why learning the basics is important.

How Does it Work?

The SMSF works the same way as any structured superannuation fund, but with a few distinctions, like in the manner the funds get dispensed and the way the government controls it.

The major difference between larger funds and SMSF is that it has a maximum of four members. The fund is also equally controlled by each member.

Having SMSFs

The benefits of having SMSFs include:

  • Numerous investment options, including collateral and direct investing
  • Offers significant control over your investments
  • Grants you more investment possibilities
  • Provides stable earnings during your retirement

Can You Purchase a House Through SMSF?

You can buy your dream houses through SMSF loans if the property:

  • Falls under the “Sole Purpose Test” – it should be purchased to provide the retirement benefits to the fund members
  • Hasn’t been acquired from a related member
  • Hasn’t been lived in by any fund member’s related parties or any of the fund members
  • Hasn’t been rented by any fund member’s related parties or any of the fund members 

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