Buy a House Using Super

Buy a House Using Super
Unlocking Homeownership Potential

Buying a house is a significant milestone, and if you’re an Australian looking to enter the property market, you may be wondering if it’s possible to leverage your superannuation to achieve this goal.

At Ynance, we specialise in helping individuals explore the option of buying a house using superannuation. Our experienced mortgage brokers understand the unique dynamics of this strategy and are here to guide you through the process.

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Free Consultation

We specialise in providing expertise guidance for superfund property purchases throughout Australia.

Expert Guidance and Tailored Solutions

Navigating the complexities of buying a house using superannuation requires expert guidance.

Our mortgage brokers have in-depth knowledge of the Australian property market and superannuation regulations.

We will assess your financial situation, discuss your goals, and tailor a financing solution that aligns with your SMSF strategy. Our aim is to help you maximise the benefits of using super to buy a house while ensuring compliance with all legal requirements.

Why Choose Ynance

By choosing Ynance you gain access to a range of benefits that can positively impact your financial situation. 

Benefits of working with a Ynance Mortgage Broker

Lower interest rates

We leverage our extensive network of lenders to secure competitive interest rates, potentially saving you thousands of dollars over the life of your loan.

Expert advice and guidance

You receive expert guidance throughout the entire process. You will understand the different types of mortgages, interest rates, fees, and other important factors.

Save time and money

Your time is valuable! By allowing u to handle the negotiation and paperwork, liaise with lenders, and streamline the entire process, you will save you time and stress.

Your Free Consultation

We provide a free consultation where we go through your goals and your current situation. Then we strategise the best solution for you. 

Understanding Buying a House Using Super

Buying a house using superannuation involves utilising the funds in your self-managed superannuation fund (SMSF) to finance your property purchase.

This strategy provides an alternative path to homeownership and can offer potential tax advantages and asset growth within the superannuation structure. However, it’s important to understand the specific regulations and requirements associated with buying a house using super.

4 Reasons to Work with a Mortgage Broker to Buy a Property Using Super


1. Expert Knowledge of Superannuation and Property Investment

Our mortgage brokers possess expert knowledge of both superannuation regulations and the property investment landscape. We understand the intricacies of using super to buy a property and can provide you with valuable insights and guidance throughout the process. With our expertise, you can make informed decisions and maximize the benefits of buying a property using super.

2. Access to Specialised Lenders and Loan Options

When buying a property using super, it’s essential to have access to specialized lenders who offer loan products tailored to this strategy. As mortgage brokers, we have established relationships with these lenders and can connect you with the most suitable options. We’ll assess your SMSF’s borrowing capacity and present you with a range of loan choices, ensuring you secure the most favorable terms for your property purchase.

3. Tailored Financing Solutions for SMSF Strategies

Every SMSF has unique investment goals and risk profiles. Our mortgage brokers will take the time to understand your SMSF’s specific objectives and devise tailored financing solutions to align with your strategy. Whether you aim for long-term capital growth or consistent rental income, we’ll structure your loan accordingly, optimising your investment potential and ensuring compliance with SMSF regulations.

4. Seamless Coordination with Professionals

Buying a property using super involves collaboration with various professionals, including accountants, financial advisors, and legal experts. As your mortgage broker, we’ll seamlessly coordinate with these professionals, ensuring a holistic approach to your SMSF property investment. We’ll work together to meet compliance requirements, address tax considerations, and align your property purchase with your overall financial strategy.

Loan Options and Structure

Securing the right loan is crucial when buying a house using superannuation. 

Our mortgage brokers have access to a wide range of lenders who offer loans specifically tailored to SMSF property purchases. 

We will evaluate your SMSF’s borrowing capacity, compare loan options, and structure the financing to align with your investment goals and risk tolerance.

What our clients are saying...

Sam SmithSam Smith
01:20 02 Nov 23
Can't thank Mitch enough for getting our mortgage finance over the line. Our situation being a business owner made the process a lot harder and Mitch got the job done with limited time on hand. Cheers Mate!
Tiana DayTiana Day
00:55 02 Nov 23
Personally recommend Mitch. He is very easy to talk to and excellent communication.Highly recommend
Elliot CondonElliot Condon
23:49 08 Oct 23
Highly recommend Mitch at Ynance for mortgage broking. Mitch secured us a great loan product to complete our dream build in Peregian Beach and handled everything for us with the stress free professionalism that goes hand in hand with the Sunshine Coast.
John MorrallJohn Morrall
00:30 27 Sep 23
Highly recommend Ynance to help set your financial future up. Mitch was amazing, nothing was too hard, communication was exceptional.
Werner ReitererWerner Reiterer
22:43 25 Sep 23
Quick efficient hassle free service. Highly recommended
Monroe BuntainMonroe Buntain
10:12 21 Sep 23
Mitch made our refinance process so easy. We were so impressed with how informed he kept us along the whole journey and made sure to get the loan that worked best for us. Great service!
04:22 06 Sep 23
The best of the best! Mitch looks after all of my client's and their lending needs. He is diligent, trustworthy and transparent with second to none communication skills. Couldn't recommend more highly.
Kristen FindlaterKristen Findlater
22:53 23 Jul 23
Mitch was a great help when we needed to refinance our mortgage. He gave us all our options for purchasing another place as well as just refinancing where we are. Highly recommend!
Ryan JefferyRyan Jeffery
09:29 05 Jul 23
If you are looking for educated, efficient, direct, responsive and driven in your mortgage broker, then Mitch is your man. We will have no hesitation is using Mitch into the future with all our personal and business broking needs.We look forward to a strong future with Ynance.
Sonny MehtaSonny Mehta
05:18 24 Feb 23
Mitch at Ynance has been absolute delight to deal with he is a professional with a terrific composure never lost his cool and was always optimistic as to what he wanted for his client and with persistence got us there. well done Mitch, we were very happy you were on our side. Thanks again mate wish you all the success in the future you deserve it.
Bernie MurphyBernie Murphy
03:13 14 Feb 23
Amazing service!. Mitch was really professional and provided me with a number of options for refinancing my home loan. the rates comparison and information he presented was in a format that was easy to understand. Refinancing my mortgage through Ynance will now save me money and allow me to pay off my home loan quicker. It was such a smooth process! I highly recommend them.
01:23 13 Dec 22
I engaged Mitch to look at home loan options on my investment property as my 2-year fixed rate was coming to an end. Mitch explained the process with a high level of clarity and he was able to answer my questions immediately or got back to me very quickly if he didn't have the answer. Mitch took into account my position and priorities when it came to lenders, prioritizing my needs when considering lenders offerings. He managed to secure an excellent rate with one lender, the valuation of my property was assessed dramatically lower than expected, so he immediately secured a very good rate with an alternate lender with a higher valuation. Before we switched Mitch advised me to use the very good rate as leverage with my current lender who dropped their rate below the competitor to retain me as a lender. I'll keep working with Mitch in the near future and I trust him to provide me with the best options and work with my best interests at heart.
Walters NkemfackWalters Nkemfack
06:35 05 Sep 22
Thank you so much Mitch for all your hard work! You took the bulk load of the entire process and at the same time kept us informed and guided us through all the way to the end. Our sucess is because of your industry knowledge and attention to detail. To top it all off, you were of genuine character who we enjoyed communicating with!
Nicole CampbellNicole Campbell
08:48 11 Jul 22
We are so thankful for both Mitch and Dav professionalism in getting us a home loan.Mitch went above and beyond to obtain the loan for us. He was there with us every step of the way and kept us informed constantly throughout the loan process.We will now have all our dreams come true and have a family home out on property. We appreciate both Mitch and Dav hard work in getting us there. Would highly recommend. Thanks again from the Campbells.

Are you making another type of property purchase or transaction?

First Home Buyer

Are you a first time home buyer looking for expert guidance?

SMSF Purchase

Do you want to use your super to purchase a property?

Investment Property

Buying an investment property?

Refinance Existing Loan

Do you want to refinance to a better rate or structure?

Simplify the Process

The Process of Buying a House Using Super

We will guide you through each step of the process, from reviewing your SMSF and determining its suitability for property investment to identifying the right property and arranging the necessary financing. 

Our mortgage brokers work closely with professionals, including accountants and financial advisors, to ensure a comprehensive approach to buying a house using super.

Initial Consultation & Assessment

In the first step, we’ll conduct an initial consultation to understand your SMSF’s investment goals, financial situation, and borrowing capacity. We’ll assess the feasibility of purchasing a property using super and discuss the specific requirements and constraints of your SMSF.

Develop a Tailored Financing Strategy

Based on the information gathered, we’ll develop a tailored financing strategy for your SMSF purchase. This strategy will consider factors such as loan options, interest rates, repayment structures, and compliance with SMSF regulations. We’ll work closely with you to ensure the financing aligns with your investment objectives.

Accessing Specialised Lenders and Loan Products

As experienced mortgage brokers, we have access to a network of specialised lenders who offer loan products specifically designed for SMSF purchases. We’ll leverage our connections to secure the most suitable loan options for your SMSF, considering factors such as borrowing capacity, interest rates, and loan features.

Loan Application & Documentation

Once the loan options are identified, we’ll assist you with the loan application process. Our team will guide you through the documentation requirements, ensuring all necessary paperwork is completed accurately and submitted on time. We’ll handle the coordination between the lender, your SMSF trustee, and other involved parties.

Negotiations & Settlement

As your representative, we’ll negotiate with the lender to secure favorable terms and conditions for your SMSF purchase. This includes interest rates, loan terms, and any associated fees. Once the loan is approved, we’ll coordinate with all relevant parties to facilitate a smooth settlement process.

Ongoing Support & Review

Our support doesn’t end with the settlement. We’ll continue to provide ongoing support and review your SMSF financing structure to ensure it remains aligned with your investment goals. We’ll keep you informed about any changes in the lending landscape or SMSF regulations that may impact your investment strategy.

Compliance & Legal Considerations

Compliance with the strict regulations surrounding buying a house using super is paramount.

Our mortgage brokers will ensure that your SMSF’s property purchase adheres to all legal requirements, including the sole-purpose test, arm’s length transactions, and investment strategy compliance.

We work closely with legal professionals to ensure a smooth and compliant process.

Ongoing Support and Advice

Partnering with Ynance for Expert Guidance

Buying a house using superannuation can be a complex endeavour, but with Ynance as your trusted partner, you can navigate the process with confidence. 

Our team of experienced mortgage brokers will provide expert guidance, tailored solutions, and access to a vast network of lenders. We are dedicated to helping you unlock the potential of homeownership through strategic SMSF property investment.

Our service extends beyond the settlement of your purchase. We are here for review and support for life.

Call 0411 235 798 to discuss buying a house using super and how our expert mortgage brokers can assist you in achieving your property ownership goals.

Need help?

Frequently Asked Questions

Yes, it is possible to use your superannuation (SMSF) to purchase a property. This strategy allows you to leverage your super funds for property investment, potentially providing long-term growth and rental income opportunities.

Buying a property using super offers several benefits. It allows you to diversify your investment portfolio, potentially access tax advantages, and build wealth for your retirement. Additionally, property investment through super may provide a stable income stream during retirement.

Yes, there are specific regulations and limitations to consider. For example, the property must meet the sole purpose test and be solely for investment purposes, not for personal use. It’s essential to comply with SMSF regulations, borrowing limits, and restrictions on related-party transactions.

Yes, it is possible to obtain a loan through your SMSF to purchase a property. However, this requires meeting certain criteria and adhering to SMSF borrowing rules. Working with a mortgage broker who specializes in SMSF loans can help you navigate the process and find suitable lenders.

The borrowing capacity of your SMSF depends on various factors, such as the fund’s assets, income, and existing liabilities. A mortgage broker experienced in SMSF purchases can assess your SMSF’s financial position and help determine its borrowing capacity for property investment.

A mortgage broker specialising in SMSF purchases can provide valuable guidance and support throughout the process. They can help you understand the requirements, identify suitable loan options, facilitate the loan application process, and coordinate with other professionals involved in the transaction.

Start Your Journey to Buying a Property with Super

Contact us today to schedule a free consultation with an expert mortgage broker. We’re here to understand your goals, answer your questions, and provide personalised guidance.

Let us be your trusted partner in securing the best home loan and simplifying the financing process for your property purchase.

Together, we’ll make your dream of buying an investment property in Australia a reality.

Call 0411 235 798 or fill out the form below.

We are a member of the Mortgage & Finance Association of Australia (MFAA).

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Request a call back from a lending specialist. 

Book your free discovery call directly using the link below, or complete our contact form and we will be in touch.

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