SMSF Loans for Nurses (Self-Managed Super Fund)

A limited recourse borrowing arrangement (LRBA) where your SMSF borrows to purchase a single acquirable asset (often property) via a custodian/bare trust. The lender’s recourse is generally limited to that asset.

Commonly 20–30% plus costs, depending on lender, property type, rental assumptions and fund profile.

No. Residential SMSF assets must be strictly arm’s-length investments with no personal use. Different rules can apply to business real property leased at market terms.

Both exist. Choose based on fund cash flow, buffers, contribution strategy and retirement objectives. Many funds use P&I for de-risking; IO can aid short-term cash flow.

SMSF trust deed, bare trust deed, trustee/company details, contribution history, fund statements, ID, member income docs and property info (contract, rent appraisal).

Annual returns and audits, arm’s-length compliance, timely loan repayments, adequate liquidity and insurance. Coordinate with your accountant and adviser.

A mix of majors, regionals and specialist lenders—availability and policy change over time. We’ll shortlist options that fit your fund and asset.

Members generally cannot borrow from the fund for personal use. The fund may borrow under an LRBA to acquire eligible assets within the rules.

There’s no single “5 rule.” You may be thinking of contribution or investment rules. Always follow SIS Act, arm’s-length terms and your deed.

Depends on returns, retirement age and risk. Use a retirement calculator with your assumptions or speak to a licensed adviser.

Typically 20–30% plus costs. Higher deposits improve pricing and serviceability buffers.

Subject to rent shading, contributions, expenses, interest rate buffers and maximum LVRs (often 70–80% for residential; varies for commercial).

Match risk to horizon: cash/TDs for capital stability; diversified funds for higher risk/return. Ensure the investment is permitted by your SMSF strategy.

Varies by rate/term. As a guide over 3 years at 10% p.a. ≈ A$162/month. Personal loans sit outside your SMSF.

Proposed tax changes may affect balances above certain thresholds. Check the latest legislation and seek licensed tax advice.

No single best—compare policy fit, LVRs, rates, fees, features and turnaround for your asset and fund.

Time, cost, trustee responsibilities, compliance risk, and concentration risk if investing in a single property.

Depends on spending, age, returns and Age Pension eligibility. Model scenarios with realistic assumptions.

Outcome depends on returns and fees. Compounding matters; use a calculator to project with conservative rates.

SMSF CGT depends on accumulation vs. pension phase, discount eligibility and holding period. Obtain tax advice.

Relatively few—high balances are uncommon. Focus on your plan rather than averages.

It’s substantial for most households but hinges on lifestyle and longevity. Stress-test sustainability.

Possibly with modest spending and some Age Pension later. Personal advice is essential.

Outside SMSF: often 5–20% plus costs. Within SMSF: LRBA LVR caps apply—typically needing 20–30% deposit.

They do, but policy is tighter. Complexity, documentation and LRBA risk mean fewer active lenders at any given time.

Yes, if allowed by your strategy and deed. Compare rates, terms and liquidity needs.

Several banks and specialists—options change. We’ll check current policies and appetite for your asset.

Some start with less, but costs scale. Ensure the fund is viable and diversified.

League tables change. Choose based on strategy, fees, service and fit—not slogans.

There’s no safe shortcut. Higher return targets mean higher risk. Stick to a plan that suits your risk profile.

Not an SMSF lending rule. Likely an investing heuristic. Base decisions on actual cash flow and compliance.

Depends on net yield after costs/tax. For 5% net, ≈ A$720k invested; at 3% net, ≈ A$1.2m. These are illustrations only.

A shortcut: 72 ÷ annual return (%) ≈ years to double.

Outside SMSF, many lenders consider mid-600s+ with stable income. Score is only one factor.

A$1,000 over one year (simple). Compounding and fees change the actual cost.

Varies with returns, tax and longevity. Many calculators suggest $1–1.5m+, but personal advice is key.

Selections rotate; we’ll present current lenders that fit your LRBA and asset type.

Changes with markets and demographics. Benchmarks are less useful than your plan and savings rate.

Promos change frequently. Compare current offers and conditions; ensure SMSF eligibility.

Driven by rent, contributions, expenses and LVR caps. We’ll model serviceability with buffers.

Complexity, cost, trustee responsibility and potential concentration risk.

Extra legal structures, limited recourse and lower competition. Total cost still depends on LVR and fund strength.

No hard minimum, but you need enough to justify costs and diversify. Many aim for $200k+ combined—case dependent.

Possibly, with modest spending and part-pension later. Get tailored advice.

Depends on your asset, LVR and fund metrics. Compare multiple options.

Mid-600s+ often considered; rate/approval depend on full profile.

Use a calculator; returns are uncertain. Keep costs and risk in check.

Possible, but weigh costs and diversification. Consider if a public fund could meet your needs more simply.

Not an SMSF lending rule; ignore heuristics—plan with real numbers.

At 10% p.a. over 5 years ≈ A$637/month (illustrative). Not an SMSF facility.

We’ll provide a current panel and policy snapshot for your scenario.

Debt keeps ownership; investors dilute ownership but share risk. Within SMSF, you must stay within SIS rules.

Depends on withdrawals, returns and inflation. Model conservative scenarios.

Trustees generally can’t be paid for duties as trustee. Seek advice on any arms-length services.

Varies widely—build a plan with realistic return and longevity assumptions.

Not many—focus on your trajectory and contributions.

Growing, but still a minority. Consistent saving and time matter most.

No plan, too much risk late in life, ignoring fees/tax, and insufficient buffers.

Only if returns average ≈10% (Rule of 72). Returns vary—don’t assume.

Promos change. Compare current rates/conditions and SMSF eligibility.

Yes—under an LRBA structure with a bare trust/custodian and property meeting lender/SIS rules.