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›SMSF Property Investment
At Key Choice Lending, we don't just offer SMSF finance—we provide award-winning solutions designed to maximize your superannuation benefits. As the 2024 Boutique Broker of the Year, our dedicated team brings proven expertise and a personalized approach to each client's unique financial landscape.
Trust us to navigate the complexities of SMSF investments, ensuring you make the most informed decisions for a prosperous future. Let us help you harness the full potential of your SMSF with confidence and precision. property investments, we offer the guidance and support you need to succeed.
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SMSF property finance allows you to make investment decisions that align with your personal financial goals, giving you full control over your superannuation assets.
Benefit from concessional tax rates on SMSF earnings, such as a 15% tax rate on rental income and potential capital gains tax reductions.
our SMSF can invest in a variety of asset types, including residential and commercial properties, business premises, and other investments.
Specializing in bespoke SMSF finance solutions, Key Choice Lending guides you from strategy to execution, helping you maximize your superannuation benefits efficiently. Our expert team ensures you make informed decisions for a secure financial future.
Setting up an SMSF
Investment options and strategies
Legal and compliance obligations
Benefits and risks of SMSF finance
"No matter your goal, Key Choice Lending offers the advice and support you need to align your SMSF strategy with your financial vision."
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Yes, a business premise is one of the few assets that can be leased to related parties under certain conditions. Generally, super law stipulates that an SMSF is barred from leasing or having investments with related parties involving assets worth more than 5% of the fund's total market value. Read more about leasing SMSF properties to related parties from the ATO
Holding property in an SMSF can offer significant tax benefits. For instance, you may avoid capital gains tax if your property is backing payment of a superannuation pension. Additionally, rental income within the SMSF is taxed at a maximum rate of 15%, and capital gains on assets held for more than 12 months are taxed at 10%. Explore SMSF tax benefits on MoneySmart
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https://moneysmart.gov.au/how-super-works/self-managed-super-fund-smsfYes, some people use a former SMSF-owned property as their retirement home. However, it is essential to follow all regulations and guidelines to ensure compliance. Learn more about using SMSF property as a retirement home from ASIC
You must consider how you will eventually dispose of your SMSF-held property. Proper planning can help you avoid capital gains tax if your property is backing payment of a superannuation pension. Find out more about disposing of SMSF property on the ATO Community
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https://community.ato.gov.au/t5/Self-managed-super-funds/bd-p/self-managedsuperfundsYes, with certain exceptions, preserved superannuation benefits must remain in the super system until members reach their preservation age, which is currently at least 55 or 65, even if still working. Learn about preserving superannuation benefits on MoneySmart
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https://moneysmart.gov.au/how-super-works/self-managed-super-fund-smsfThe ATO provides extensive information on SMSF rules, regulations, and benefits.
MoneySmart offers practical guidance on managing SMSFs, including investment strategies and tax considerations.
ASIC provides regulatory information and guidelines for SMSF trustees
Discover the power of SMSF property investment—gain control, enjoy tax benefits, and protect your assets. Start your journey with Key Choice Lending today
*Applications for SMSF loans are subject to lender approval criteria. Full terms and conditions will be included in any loan offer. Fees and charges are payable. It is recommended to seek independent financial and legal advice to understand all implications and ensure compliance with SMSF regulations. Key Choice Group t/as Key Choice Lending makes no assertions or guarantees about the potential tax or legal benefits associated with the purchase or financing of a property within your SMSF.