Empower Your Retirement with a Self-Managed Superannuation Fund (SMSF)

Revolve Financial knows that achieving your retirement goals includes more than just saving; it’s about making smart investment decisions. Using a Self Managed Superannuation Fund (SMSF) to invest in property through a mortgage can be a strategic step toward growing retirement wealth.

What is an SMSF?

A Self-Managed Superannuation Fund is an individual superannuation fund that offers more control over your retirement savings. While it is unlike other super funds, SMSFs provide members with the ability to decide where and how they will invest their super, even the investment of residential or commercial property through an SMSF loan. An SMSF can have between one and six members, all of which are trustees and share the responsibility of complying with super and taxation legislation.

Advantages of an SMSF

1. Investment Flexibility

SMSFs offer more investment options than traditional super funds, such as:

  • Direct property (residential and commercial)

  • Shares and managed funds

  • Cash and term deposits

  • Collectibles and other alternative assets

    With Revolve Financial, you can explore property investment options within your SMSF using tailored mortgage solutions to help you diversify your portfolio.

2. Tax Efficiency

SMSFs come with potential tax benefits:

  • 15% concessional tax rates on investment income

  • Capital gains tax reliefs on assets held for more than 12 months

  • Tax-free gains in the pension period

    These reliefs can add to your retirement fund over a period.

3. Control and Transparency

With an SMSF mortgage, you maintain visibility and control over the property investment process. You’re actively involved in selecting the property, arranging the loan, and managing repayments, ensuring complete transparency over how your super is being used.

4. Estate Planning

While SMSFs offer flexibility for estate planning, investing in property through your SMSF can also help:

  • Add long-term value to your super fund

  • Secure a tangible asset for your retirement

  • Align with your goals to pass wealth to the next generation

    This control can give you and your loved ones peace of mind. 

Things to Consider Before Establishing an SMSF

While property investment through an SMSF mortgage can be rewarding, there are some factors to consider:

  • Loan Structure : SMSF loans must follow strict limited recourse borrowing arrangement (LRBA) rules.

  • Eligibility : Not all lenders offer SMSF loans, and criteria can be stricter than standard mortgages.

  • Ongoing Responsibility : Property maintenance, tenant management, and loan repayments must comply with SMSF laws.

  • Costs : There may be upfront and ongoing costs associated with borrowing and maintaining property in your SMSF.

Careful planning is important to ensure compliance with super rules and to determine if using your SMSF for property investment matches your retirement goals.

How Revolve Financial Can Help

At Revolve Financial, we specialize in helping clients use their SMSFs to purchase property through strategic mortgage solutions:

Mortgage Expertise:

We help you understand borrowing options available for SMSF property purchases.

Loan Structuring:

We ensure your SMSF mortgage is structured correctly to meet lender and legal requirements.

Lender Access:

We have access to a panel of SMSF loan providers with competitive rates and flexible terms.

Support Throughout the Process:

We offer ongoing support, which includes management services and complete advice, to make sure your SMSF stays on track.

Take Control of Your Retirement Today

Take the next step in building your retirement future through strategic property investment with an SMSF mortgage. Call Revolve Financial today to explore how borrowing within your SMSF can help you secure a long-term asset. Our mortgage specialists are here to make the process clear, compliant, and aligned with your goals.


Secure Your Retirement with Confidence - Speak with Revolve Financial Today.