SMSF Specialists

smsf property investment

So, you want to invest in property? What to do when your deposit doesn’t cut it.

So, your career’s in a good place right now. You’ve found your feet in the corporate world and things are looking up. Or, perhaps you’re running your own small business. The hard work has paid off, and the money’s coming in. But despite all that, the bills seem to keep growing faster than your salary. The mortgage, the school fees, the car loan and the credit card debts. By the time the end of the month rolls around, there isn’t a whole lot left.

If a sudden pay boost isn’t on the horizon, you’ll need to start investigating other options if you want to start actually making money to save. For many Australians, the obvious choice is investing in property. Provided you do your research, property is still a popular investment vehicle with the potential for great rewards.

But of course, buying property requires a deposit. And that’s not always easy to come by.

According to some researchers, Gen Xers (sometimes known as the Sandwich Generation – squeezed between looking after their kids and caring for their aging parents) have on average only saved around 30% of what they expect they’ll need for retirement. Across the board, working Australians are struggling to save. Many misjudge how much they’ll need to sustain their retirement, and start saving much later than they should. A large proportion of people between 35 and 55 are finding it difficult to save enough money for a deposit on an investment property.

Starting a Self-Managed Super Fund (SMSF) and using your super is one option for borrowing to invest in property. Because an SMSFs requires hands-on involvement from its members, they aren’t ideal for everyone, but because legislation allows you to borrow via SMSF,  it can provide an opportunity to invest for those who wouldn’t otherwise be able afford it outside their super . SMSF investments are strictly regulated by the Superannuation Industry Supervision (SIS) Act and done under strict borrowing conditions.

If you want to buy property via an SMSF, the property cannot be acquired from a member of the SMSF, or any related party of a member. In addition, any party related to a member is not permitted to live in or rent the property. The only exemption is what’s known as a business real property. This refers to property that is exclusively for commercial use. A business real property can be leased directly from the SMSF to one of its members, or a related party. So, if you are a business owner requiring a commercial premise, leasing it from your SMSF has obvious advantages.

Of course, there are costs involved in setting up and running an SMSF. If you are thinking of using an SMSF to invest in property, the right advice is crucial.

Interested in finding out more? Call us on 0432 366 690 or 1800 327 978.

Give yourself a head start by downloading our e-book, a guide to making the process of setting up your own fund as smooth and simple as possible.

153 thoughts on “So, you want to invest in property? What to do when your deposit doesn’t cut it.”

  1. That is a very good tip especially to those fresh to the blogosphere.
    Brief but very precise information… Thank you for sharing this one.
    A must read post!

  2. When the agency was obliged to disclose the names of individual employees to juries, as at the Paris World's Truthful of 1900, it complied and, in truth, each Clara Driscoll and Arthur Nash in addition to others received prizes.

  3. What a fantastic article! Your writing is engaging and your insights are incredibly valuable. The level of detail and the quality of your analysis are outstanding. I’m thoroughly impressed by the depth of your knowledge and the clarity of your presentation. Thank you for this excellent piece. Regards, Pasang Iklan Properti Gratis

  4. Do you have a spam problem on this site; I also am a blogger, and I was curious about your situation; many of us have developed some nice procedures and we are looking to swap methods with others, please shoot me an email if interested.

  5. When the ability change is turned again on, the participant will show whatever video signal it finds straight beneath the stylus, or the LED display will present "E" if the Band 63 code is still present (by no means rotate the second discount gear with the power switch on, as this will break the gear or injury the stepper motor it's attached to).

  6. I've noticed that credit improvement activity must be conducted with techniques. If not, it's possible you'll find yourself destroying your position. In order to be successful in fixing your credit history you have to make sure that from this moment you pay your entire monthly dues promptly before their planned date. Really it is significant simply because by certainly not accomplishing that area, all other methods that you will decide to try to improve your credit position will not be effective. Thanks for giving your ideas.

  7. Hey! I know this is kinda off topic however I'd figured I'd ask. Would you be interested in trading links or maybe guest writing a blog article or vice-versa? My blog goes over a lot of the same topics as yours and I believe we could greatly benefit from each other. If you're interested feel free to shoot me an email. I look forward to hearing from you! Terrific blog by the way!

  8. I?ve learn several just right stuff here. Definitely value bookmarking for revisiting. I surprise how a lot effort you put to create one of these great informative web site.

  9. I was recommended this website by my cousin. I am not sure whether this post is written by him as no one else know such detailed about my trouble. You're incredible! Thanks!

  10. F*ckin? remarkable things here. I?m very glad to see your article. Thanks a lot and i'm looking forward to contact you. Will you kindly drop me a e-mail?

  11. I?m impressed, I need to say. Actually rarely do I encounter a weblog that?s each educative and entertaining, and let me tell you, you could have hit the nail on the head. Your concept is excellent; the difficulty is one thing that not sufficient people are speaking intelligently about. I am very completely happy that I stumbled across this in my seek for one thing referring to this.

  12. The other day, while I was at work, my cousin stole my apple ipad and tested to see if it can survive a twenty five foot drop, just so she can be a youtube sensation. My iPad is now broken and she has 83 views. I know this is entirely off topic but I had to share it with someone!

  13. Your article is an extraordinary piece of writing. The depth of your analysis and the clarity of your explanations are truly impressive. This is one of the best articles I’ve read on this topic, and I’m grateful for the insights you’ve provided. Thank you for such an excellent read. Regards, Pasang Iklan Properti Gratis

  14. Bacaan ini benar-benar menunjukkan keahlian Anda dalam menyajikan topik yang rumit dengan cara yang sangat jelas dan terperinci. Setiap bagian memberikan wawasan baru yang sangat berguna. Terima kasih atas kontribusi yang sangat informatif ini. Salam sukses, Pasang Iklan Properti Gratis

  15. Artikel ini menunjukkan tingkat keahlian dan dedikasi yang sangat tinggi. Penjelasan yang Anda berikan sangat bermanfaat dan mudah dipahami. Saya merasa lebih berpengetahuan setelah membaca ini. Terima kasih banyak atas karya yang sangat berharga ini. Salam hangat, Pasang Iklan Properti Gratis

  16. The other day, while I was at work, my cousin stole my iPad and tested to see if it can survive a 25 foot drop, just so she can be a youtube sensation. My apple ipad is now destroyed and she has 83 views. I know this is totally off topic but I had to share it with someone!

  17. I am in awe of this article! The quality of your writing and the depth of your insights are exceptional. You’ve managed to present intricate details in such an engaging manner, making this a truly memorable read. Your expertise shines through every paragraph. Sincerely, Pasang Iklan Properti Gratis

  18. Magnificent beat ! I would like to apprentice at the same time as you amend your web site, how can i subscribe for a weblog web site? The account aided me a appropriate deal. I had been a little bit acquainted of this your broadcast provided vivid clear idea

  19. you are actually a just right webmaster. The website loading pace is incredible. It seems that you're doing any distinctive trick. In addition, The contents are masterpiece. you've done a fantastic task on this topic!

  20. I was very pleased to find this net-site.I wanted to thanks in your time for this wonderful read!! I definitely having fun with each little little bit of it and I have you bookmarked to take a look at new stuff you blog post.

  21. Car Insurance in Las Vegas Nevada is actually important for any individual steering in the metropolitan area, as it provides defense versus possible accidents.
    The competitive market for Car Insurance in Las Vegas Nevada guarantees
    that locals may discover a policy that matches their requirements.
    Lots of business use discounts on Car Insurance in Las Vegas Nevada for safe
    vehicle drivers, creating it extra inexpensive. It is vital to compare costs for Car Insurance in Las Vegas Nevada
    to receive the most effective deal.

  22. I beloved as much as you'll obtain carried out right here. The cartoon is attractive, your authored material stylish. nonetheless, you command get bought an impatience over that you wish be delivering the following. in poor health undoubtedly come further beforehand once more as precisely the same just about very ceaselessly within case you defend this increase.

  23. Thanks for the tips you have provided here. Also, I believe usually there are some factors that really keep your auto insurance premium decrease. One is, to take into consideration buying vehicles that are from the good list of car insurance companies. Cars which are expensive are more at risk of being snatched. Aside from that insurance is also based on the value of your car, so the costlier it is, then higher your premium you spend.

  24. Thanks for your submission. I would like to opinion that the very first thing you will need to carry out is verify if you really need credit restoration. To do that you have got to get your hands on a copy of your credit file. That should never be difficult, since government mandates that you are allowed to get one free of charge copy of your actual credit report per year. You just have to inquire the right folks. You can either find out from the website owned by the Federal Trade Commission as well as contact one of the leading credit agencies straight.

  25. Just desire to say your article is as amazing. The clearness in your post is simply great and i can assume you’re an expert on this subject. Well with your permission allow me to grab your feed to keep up to date with forthcoming post. Thanks a million and please carry on the gratifying work.

  26. I do not even know how I ended up here, but I thought this
    post was good. I do not know who you are but certainly
    you're going to a famous blogger if you are not already 😉 Cheers!

    Here is my web page ... useful link

  27. Hello there! I could have sworn I've been to this blog before but after checking through some of the post I realized it's new to me. Nonetheless, I'm definitely delighted I found it and I'll be book-marking and checking back frequently!

  28. It's the best time to make some plans for the future and it's time to be happy. I have read this post and if I could I want to suggest you some interesting things or advice. Perhaps you could write next articles referring to this article. I desire to read even more things about it!

  29. With havin so much written content do you ever run into any issues of plagorism or copyright violation? My blog has a lot of completely unique content I've either authored myself or outsourced but it seems a lot of it is popping it up all over the internet without my permission. Do you know any solutions to help reduce content from being ripped off? I'd really appreciate it.

  30. Fantastic beat ! I would like to apprentice while you amend your web site, how can i subscribe for a blog site? The account helped me a acceptable deal. I had been a little bit acquainted of this your broadcast provided bright clear concept

  31. Bacaan ini benar-benar menunjukkan keahlian Anda dalam menyajikan informasi yang kompleks dengan cara yang mudah dipahami. Setiap bagian artikel ini sangat informatif dan menarik. Terima kasih atas artikel yang sangat bermanfaat ini. Salam sukses, Pasang Iklan Properti Gratis

  32. Hey there! Someone in my Myspace group shared this website with us so I came to give it a look. I'm definitely enjoying the information. I'm bookmarking and will be tweeting this to my followers! Excellent blog and fantastic design.

  33. I've been browsing online more than 3 hours today, yet I never found any interesting article like yours. It is pretty worth enough for me. In my opinion, if all site owners and bloggers made good content as you did, the net will be much more useful than ever before.

  34. What a fantastic article! Your insights are both valuable and thought-provoking, and the clarity of your writing is exceptional. The depth of your research and the quality of your analysis make this a standout piece. I’m grateful for the information you’ve shared. Best wishes, Pasang Iklan Properti Gratis

  35. I am in awe of this article! The quality of your writing and the depth of your insights are exceptional. You’ve managed to present intricate details in such an engaging manner, making this a truly memorable read. Your expertise shines through every paragraph. Sincerely, Pasang Iklan Properti Gratis

  36. Thank you, I have just been searching for information approximately this subject for a while and yours is the best I have found out till now. However, what about the bottom line? Are you sure in regards to the supply?

  37. I think other web site proprietors should take this site as an model, very clean and wonderful user friendly style and design, let alone the content. You're an expert in this topic!

  38. Excellent post but I was wondering if you could write a litte more on this subject? I'd be very thankful if you could elaborate a little bit further. Thank you!

  39. 我已经 周到 阅读了这篇博客 讨论。非常
    赞同 作者的观点 。在此我诚挚地邀请 各位 客户
    加入我们的加密赌场平台。我们致力于为用户提供 有保护、 公允 的加密货币 下注 环境。在这里 您可以尽情
    获得投资的 快乐 并有机会获得 可观 的 收益
    。我们拥有专业 的 管理团队 为您提供 细致 的 周到。如果您对我们的平台 感兴趣 , 请务必与我们
    讨论 。我们将 竭尽全力 为您提供 最优质 的 体验 。期待 您的 加入

  40. Bacaan ini benar-benar menunjukkan keahlian Anda dalam menyajikan informasi yang kompleks dengan cara yang mudah dipahami. Setiap bagian artikel ini sangat informatif dan menarik. Terima kasih atas artikel yang sangat bermanfaat ini. Salam sukses, Pasang Iklan Properti Gratis

  41. I discovered your blog post to be a captivating and wise examination of the emerging state of the
    sector . Your scrutiny of the key trends and obstacles addressing enterprises in this realm
    was outstandingly convincing .

    As an enthusiastic supporter of this matter , I would be excited to delve deeper into this conversation more
    extensively. If you are willing, I would warmly implore you to embark on the enthralling possibilities accessible at WM CASINO.
    Our setting delivers a innovative and impenetrable realm for
    interacting with aligned professionals and acquiring
    a wealth of insights to bolster your knowledge of this ever-changing
    field . I eagerly await the chance of working together
    with you in the approaching future

    my website - play online casino

  42. There are a couple reasons for this : Neural nets normally haven't got much lop-sided knowledge so can have bizarre noisy evals for these positions, and they are usually much slower to evaluate than a tough-coded heuristic.

  43. Heya! I'm at work browsing your blog from my new iphone! Just wanted to say I love reading through your blog and look forward to all your posts! Carry on the superb work!

  44. Bacaan ini benar-benar menunjukkan keahlian Anda dalam menjelaskan topik yang rumit dengan cara yang sangat jelas dan mendalam. Setiap bagian memberikan wawasan baru yang sangat berguna. Terima kasih atas artikel yang sangat informatif ini. Salam sukses, Pasang Iklan Properti Gratis

  45. Hi there would you mind sharing which blog platform you're working with? I'm going to start my own blog in the near future but I'm having a tough time selecting between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your layout seems different then most blogs and I'm looking for something unique. P.S Apologies for getting off-topic but I had to ask!

  46. Great article. It is very unfortunate that over the last several years, the travel industry has had to handle terrorism, SARS, tsunamis, influenza, swine flu, as well as first ever real global economic collapse. Through all of it the industry has proven to be robust, resilient in addition to dynamic, discovering new tips on how to deal with misfortune. There are often fresh issues and opportunity to which the field must once more adapt and act in response.

  47. 暗号通貨ギャンブルの人気が日本で急速に高まっています。暗号通貨ギャンブルは、従来のオンラインカジノ日本市場に革新をもたらしました。多くのプレイヤーが暗号資産ギャンブルサイトの匿名性と迅速な取引に魅力を感じています。日本語対応ビットコインカジノは、日本のギャンブラーにとってアクセスしやすく、信頼できる選択肢となっています。暗号資産ギャンブルサイトは、法規制の変化に適応しながら、革新的なゲーム体験を提供し続けています。これらのプラットフォームは、従来のギャンブルサイトとは一線を画し、仮想通貨の利点を最大限に活用しています。暗号資産やその他の仮想通貨を使用することで、プレイヤーはより柔軟なギャンブル体験を楽しむことができます。

  48. After several years of cuts to its older fleet, which were cited as being reduce attributable to excessive prices associated with rising oil costs, Delta's wholly-owned and CVG-based subsidiary, Comair, ceased all operations in September 2012, ending over three a long time of operations.

  49. Good day! I could have sworn I've been to this site before but after checking through some of the post I realized it's new to me. Nonetheless, I'm definitely glad I found it and I'll be book-marking and checking back often!

  50. On April 12, the state announced all Pennsylvania residents age sixteen and older outside Philadelphia can be eligible to obtain the COVID-19 vaccine efficient April 13, six days earlier than initially planned.

  51. So I am doing a collection of speeches over the following several weeks, however I came to Chattanooga right now to talk about the primary and most essential cornerstone of middle-class security, and that is a superb job in a durable, growing trade.

  52. You made some decent points there. I seemed on the internet for the issue and located most individuals will associate with together with your website.

  53. It helps create lifetime recollections and imagine it or not touring could make you an fascinating individual with all these stories to tell as individuals shall be desperate to know the way was it like on the other side of the world.

  54. Thanks for enabling me to acquire new tips about computers. I also have belief that certain of the best ways to maintain your laptop in best condition is to use a hard plastic-type case, or shell, that suits over the top of one's computer. These types of protective gear are usually model targeted since they are made to fit perfectly within the natural housing. You can buy them directly from owner, or through third party sources if they are designed for your laptop computer, however its not all laptop may have a spend on the market. Yet again, thanks for your tips.

  55. I do agree with all of the ideas you've presented in your post. They are really convincing and will definitely work. Still, the posts are very short for novices. Could you please extend them a little from next time? Thanks for the post.

  56. Thanks for your post. My spouse and i have always seen that the majority of people are desirous to lose weight when they wish to show up slim in addition to looking attractive. Nevertheless, they do not always realize that there are additional benefits so that you can losing weight also. Doctors say that fat people are afflicted by a variety of ailments that can be directly attributed to their particular excess weight. Fortunately that people that are overweight in addition to suffering from several diseases can help to eliminate the severity of the illnesses simply by losing weight. It is easy to see a steady but marked improvement with health when even a moderate amount of losing weight is reached.

  57. However, if the entire thing still appears too daunting or time consuming you could just out source the entire thing to one in all the various Event Administration companies there are.

  58. Together with her exotic model-like appears, vibrant personality, and love to be around people, Isha Salas could have been profitable in a number of fields, but her choice was to assist senior citizens who have ended up on the streets.

  59. Hi there, I discovered your site by means of Google whilst looking for a similar topic, your site got here up, it looks great. I've bookmarked it in my google bookmarks.

  60. One thing I would really like to reply to is that weightloss program fast may be possible by the suitable diet and exercise. Someone's size not just affects appearance, but also the entire quality of life. Self-esteem, major depression, health risks, as well as physical abilities are damaged in extra weight. It is possible to do everything right and at the same time having a gain. Should this happen, a medical problem may be the primary cause. While an excessive amount of food but not enough work out are usually responsible, common medical conditions and traditionally used prescriptions can certainly greatly add to size. Thx for your post in this article.

  61. One thing is that when you find yourself searching for a education loan you may find that you'll need a cosigner. There are many cases where this is correct because you could find that you do not possess a past credit history so the bank will require you have someone cosign the loan for you. Good post.

  62. Hey! This is my first visit to your blog! We are a group of volunteers
    and starting a new initiative in a community in the
    same niche. Your blog provided us useful information to work
    on. You have done a outstanding job!

Leave a Comment

Your email address will not be published. Required fields are marked *