How To Buy Investment Property Through SMSF (Self Managed Super Fund) In 2024

[@AusPropertyMasteryWithPK]

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[@wadosbarbados3453]

Yes, would love a whiteboard session. Running the numbers on my newly purchased SMSF property & how it has to perform compared to if I had’ve kept depositing into my high growth industry fund. Hoping I’ve calculated correctly.

[@SteveTyurin]

I never realized the level of control you have with an SMSF compared to traditional retail funds. Definitely considering this for my future investments

[@ArnoldScerrets]

My brothers and I established our SMSF 2 years ago with the aim of owning 5 commercial properties. Our managed account starting at $700k, has appreciated by $1M in just the past year, if we made our research sooner we might have done a few properties already

[@PeterPeee]

you are lucky to have made that in the time it took

[@ArnoldScerrets]

That's precisely why we conducted a thorough research, which led to Emily ava milligan, who happens to be one of the best fund managers, our steps were calculated, not by luck

[@MikeDavis-zg2ud]

After copying her name and pasting it into my browser, her website popped up. Thanks for the share

[@jbatisi6930]

Yes!! Great content, some valuable information here

[@rajvankadara3657]

YES for the 2nd Part Please. Very informative PK & Bernie

[@fp8645]

SMSFs are really good way to add to your portfolio. Keep in mind interest that you pay with these are bit higher. Also, factor in compliance cost. I set one up myself last year and I think it’s quite straight forward. Be mindful when you execute the Bare trust (asset holding entity). Bare trust execution date is very important. Each state has different rules. For example: NSW execution of the bare trust has to happen after the contract execution (exchange date of the contract)-if not you will end up paying double stamp duty. Great content PK. Thank you!

[@AusPropertyMasteryWithPK]

Cheers.. some good points from the video!

[@bernadettechristie-david1442]

Cheers! Yes, a few of those points are covered in our conversation too.

[@louieisme]

My wife and I are just looking at SMSF to buy property. This is very educational! Thank you PK and Bernadette.

[@ADMIN-Aditi-r5p]

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

[@milindakankanange5404]

Great material. As a mortgage broker myself wbo has not touched SMSF space much it was a great info.

[@michaelbender5934]

Hey PK, fantastic video thanks to Bernie and yourself. Hopefully we’ll see part two 🤞🏼🙌🏼

[@rangamw]

Yes. Part2 will be Amazing!! Loved the session, thanks @PK/@Bernie. ❤

[@jameslin12171]

Yes for part 2. Thank you both.

[@bernadettechristie-david1442]

Thanks for your feedback! If there is enough interest, I'm sure PK will arrange the session =)

[@piecesasian]

My husband and I recently set up a SMSF. It's quite overwhelming. Yes, I agree, self-education is crucial, and it requires lots of patience. Thank you for this video and for sharing some great tips.

[@marcoschena99]

Good session guys. The in species transfer tip was a good one, I didn't know that, thanks. We have a property in SMSF - you need a lot of patience especially if you are self employed. Never settle for less than 60 days. We had to have a sizable cash or cash equivalent with the loan, which I must say has probably done better in the last 6 years than the property itself. I am glad we did it though.

[@slingyz84]

Great Video! Yes to whiteboard sesh!

[@AusPropertyMasteryWithPK]

More to come!

[@bernadettechristie-david1442]

Would love to make this happen =)

[@tiarnelouise]

Yes please for part two! This video was AMAZING!

[@kevinmok-hb8dy]

Amazing Video!! Thank you for your time and insight PK and Bernadette.

[@varkeyvettoor]

Wonderful video. Very helpful. Thanks PK and Bernadette for your generosity to provide these insights for free to us.

[@AusPropertyMasteryWithPK]

Thanks for the feedback!

[@digitalnomad87]

Another gem of a video ! Certainly made me thinking closer to setting up smsf as opposed to couple of years I was thinking. Second part of video would be much appreciated with some more detailed aspects like setting fee range, tax implications, CG, and some numbers how it can outperform traditional super which also can be 10 percent annual. Thankd Bernie and PK, great video :)

[@jenydiaz107]

Yes for 2nd part. Thanks PK and Bernadette.

[@ADMIN-Aditi-r5p]

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

[@davidclarke676]

One thing I learnt from my financial planner is once you have paid off the loan for your property within the SMSF you can use the equity from that property to purchase another one in the fund.

[@AusPropertyMasteryWithPK]

Interesting!

[@angeladavies-graham]

Great video, appreciate you breaking it down so it was easily understood. Would love the 2nd part also.

[@watchsachin36]

Good stuff and a lot of detailed information , very well articulation of questions PK to de-clutter the complex topic !

[@AusPropertyMasteryWithPK]

Thanks mate

[@bernadettechristie-david1442]

SMSFs are often seen as confusing but with the right team they'll help demystify and understand how they can work for you!

[@ronlal7984]

​@bernadettechristie-david1442 Thank you Can you provide links to your company .

[@fayyazrehman2070]

Very informative podcast. Excellent stuff PK

[@catherinebakkali2235]

Super insightful, thank you so much! I'd love for you both to do a whiteboard session about SMSF!!

[@Warlowisnumberone]

Sooooo good! Thanks so much for this! Been thinking about this for a while now and thinking it might be time to pull the trigger!

[@AusPropertyMasteryWithPK]

Good one!

[@bernadettechristie-david1442]

Awesome! #actiontaker

[@PradyVK]

Great show PK , brilliant content 👏

[@bernadettechristie-david1442]

Thrilled you enjoyed our conversation, thank you for your feedback!

[@imhosydney]

Great intro to whet the appetite!

[@weishi8620]

The interest is so high on SMSF loan, the last time I asked was over 8%. The average annual property growth is about 5-8%, plus the associated cost is a lot higher than normal investment property. Unless the interest rate comes down significantly, or you can pay more than 50% of the property price.

[@fredfred4086]

I just did a quick Google (October 2024) - most loans are under 8%, one I saw was just under 7%.

[@jobinjoseph11]

I got 7

[@msabuj009]

Thank you both. Great video. Lots to learn. I saved this one. I have to watch again.

[@AusPropertyMasteryWithPK]

Lots to take in in this one!

[@bernadettechristie-david1442]

Definitely, the more we hear, the more we understand. Thrilled to be a small part of your property journey!

[@anjanakap]

Yes for part 2, thank you both.

[@ADMIN-Aditi-r5p]

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

[@philliparmstrong1541]

Great info, definitely walking away from this interview feeling more informed, thank you both.

[@louist7295]

Very helpful video. Thank you PK😊

[@vamillahailstorm112]

Thanks guys that was amazing so helpful !

[@prabhuraj1557]

yes for part 2. great video...very much informative. thanks both of you... would like to hear about tax implications like whether negative gearing is applicable here, etc

[@bharath1992007]

Amazing Amazing PK and Bernadette, every couple of moments I had aha moments. Working in superannuation, it's fascinating that this is such less known knowledge. Great session, more success to you both!

[@bharath1992007]

And of course, YES! for a deep dive!

[@AusPropertyMasteryWithPK]

Thanks mate!

[@imranAkMemon]

Great video with lot of knowledge sharing

[@AusPropertyMasteryWithPK]

Glad you enjoyed it

[@bernadettechristie-david1442]

Awesome feedback! Thank you

[@getta-grip9640]

Can you use a SMSF to take over an existing investment property loan?

[@dbhardwaj04]

Hi @Pk, that last part about transferring commercial to SMSF was the great tip and without paying stamp duty. need to do some research on that... this is so great and hard to believe

[@nataliyaallen2700]

What a great and informative video. You both spoke and explained so well and you are easy going, lovely individuals. Well done. Just a small comment to mention further details about a bare trust setup. You do need to have an exact property address when you establish a bare trust. I don’t think it can be prepared beforehand ( unless you manually add the address into the deed?) Many thanks again for a great video. 👍

[@AusPropertyMasteryWithPK]

Thanks!

[@daveakawizz9544]

That was very helpful

[@Shorts4M3h]

Great video what about if say the kitchen or bathroom needs renovating ??? Can that be done

[@GrowthMindset_J]

Yes please do a part B to explain in-depth topics

[@onurkagan5080]

Thanks very informative. Would really like a part 2 and I have some questions. Can you sell the property before you retire? If so what are the fees? (capital gains tax etc.) If you got pay rises and increased rent Can you use equity from the initial property to buy a 2nd property?

[@paulmantel5217]

great podcast - yes a whiteboard session would be awesome

[@imhosydney]

Great chat to whet the appetite into this useful ( and generous) additional avenue to get another property (with or without leverage) in a completely quarantined way from the rest of your life. Lots of rules and pitfalls. The more you learn the more questions you have! A few whiteboard egs definitely might speak a thousand words eg 1. costs for set up plus maybe a p and l ongoing per annum of this investment property part of a smsf. 2. columns comparing and contrasting investment in own name vs smsf. Idea of holding orher assets for diversification in smsf eg share portfolio. Possibly using dividend and interest income as extra funding? Limits on financial benefits if it becomes a big fund or capital gain. Are there ways to add value to property without contravening rules? Inability to refi cash out is important to know but can you refi the lender? What types of loans can you use? Thoughts on how long this generous policy of the government might last? Perhaps date time stamp it at the beginning. Thank you.

[@ADMIN-Aditi-r5p]

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

[@vasudevsatapara4547]

Can we buy property another country by using SMSF ?

[@kelumV]

Please add second video related to SMSF . This is great infor thanks guys

[@DarrenSmith-x6h]

So i wonder after all expenses ,what minimum percentage of capital growth is needed to cover costs and out do a retail fund

[@JTysoe-y2e]

Can you whiteboard an example of a property purchase thru super, i.e., the calculation and costs?

[@roxychic367]

If the property has a granny flat at the back of it before it’s purchased by me and placed into smsf can that also be rented out as two dwellings under the smsf? Should we be on the look out for properties that have that configuration already part of the sale?

[@michaelbender5934]

Hi PK, might be a silly question however, with the cost of setting up a SMSF can this be paid for once it’s set up using the SMSF or would this need to be paid prior?

[@kevinmok-hb8dy]

YES PART 2......!!!!

[@paulung1034]

Hi PK & Bernadette, thank you for this informative video. Iam very interested in this SMSF investment opportunities. I would like to speak to Bernadette further to find out my borrowing capacity. How can I get in touch with you. Thank you in advance.

[@AusPropertyMasteryWithPK]

Just search her on LI or google atelier wealth

[@ahalam100]

Yes for part 2.

[@bivianagutierrez8250]

Yes !! part 2 . Thanks

[@ThinThinHan85]

Yes for Part 2 PK. such an informative video for SMSF. I am your client in the course PK. I am doing researching SMSF for our next property PK. any chance I could get contact of Bernadette? Thank you

[@gowrikuchimanchi7158]

Yes for the 2nd part

[@bernadettechristie-david1442]

Would love to make it happen =)

[@San-qm7mm]

Yes for part 2

[@msabuj009]

And Yes to whiteboard

[@bernadettechristie-david1442]

Me too, thanks for the feedback =)

[@fredsalfa]

I’m going to do that with my Super and I’ll contact Bernadette

[@mandirakarki4267]

Just a quick question, will having a loan through SMSF have any implications later on the borrowing capacity from your individual account?

[@ADMIN-Aditi-r5p]

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

[@zzkhor]

I’m 55 and only hv $300k in the super, will it be too late for me to start the SMSF? Will bank still lend me the money?

[@jamestilwari2799]

If the funds are short in an SMSF can one add funds from bank savings account?? Or if needed in case of emergency can one transfer money from SMSF to bank savings account...??

[@ADMIN-Aditi-r5p]

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

[@PayalRaja-g4s]

Yes please for the white board session 🙏🏻

[@ADMIN-Aditi-r5p]

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

[@joncandyfliprecords]

Doing this right now PK - setup in August last year and about to pull the trigger on our first IP in the SMSF in 2024. This might be a small warning for those that do this actually: it can be quite a long runway to get everything setup in your new vehicle, especially if you do it with your partner in a joint SMSF, as those institutions that hold your old individual Super balances are not Super keen to release them (see what I did there?). There's nothing in it for them but a loss, so they drag the chain. Seems perhaps you found the same initially? After you've jumped thru some sizeable hoops, you'll get access to your money, but my advice is don't expect it to be necessarily quick. 🙂

[@huymanutd]

hi mate, congrats! So it can be lengthy process if it's a joint SMSF and an individual SMSF would be quicker, would you say?

[@joncandyfliprecords]

@@huymanutd only quicker in that you are moving one super balance instead of two, so need to ask one company the one time, yes.

[@bharath1992007]

Hi mate, that's Super helpful. Any tips on how you could move things quicker for realise of funds if one wishes to go the SMSF way

[@joncandyfliprecords]

@bharath1992007 2 options for notifying your old Super fund. One is to contact them direct, with a number of identity docs all ready to go. They'll ask for certified/witnessed copies of your license and passport (100 points) as a minimum, so getting those ahead of time from a JP/Police Station etc will help. They'll also want all the info on your newly setup SMSF - it's trustee deed, it's bank account details, and the official guff that says you control it. So get that ready too, beforehand. The second way is to notify the ATO that you are switching. Officially, the ATO will tell you they are controlling it from that point onwards, but all they do is notify your current Super fund that your request to switch to an SMSF, is now a live request with them. The ATO won't do any follow up or leg work to rush it along. So your Super fund will just contact you anyway, and ask for the same things I went through above, but it might all take a while longer. So stick with Option 1: gather the paperwork beforehand, and notify your current Super fund yourself, so when they ask for all the docs, you can tell them you have it all ready to forward and would they please hurry it all up! 😆

[@teresazhang3766]

i have heard it takes about 6 months or so for the setup process...would that be right?

[@jimm3379]

WLTH offer LMI, 90% LVR for SMSF.

[@AusPropertyMasteryWithPK]

Wow!

[@abhisheksingh-ns4dl]

Can you add money from your bank account to SMSF or can you transfer money from SMSF to your bank account in case of emergency

[@ADMIN-Aditi-r5p]

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

[@rw-xf4cb]

Guess the risk from Big 4 to fund SMS as a default on the loan the banks cannot seek losses from the SMSF should the asset not recover the losses for the bank.

[@VandanaReddy-o6h]

yes for a deep dive

[@nssapal8640]

Can anyone please advise how to add an existing investment property to SMSF?

[@ADMIN-Aditi-r5p]

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

[@am1296]

I don't think you can

[@giuseppe2588]

How to contact this lady to have advise??? I’m really interested please

[@stevenh3572]

yes

[@ellenmcaleese7004]

My understanding is that cbus is a - not for profit INDUSTRY fund. Not a RETAIL fund which is for profit. Is she using industry and retail funds as interchangeable terms? and not clearly stating the difference?

[@roseyjojo]

Hey PK how can we contact Bernadette

[@AusPropertyMasteryWithPK]

Hey her company name is in the description :)

[@kansingh5716]

Rba is making us tap out when it comes to borrowing at the moment

[@bernadettechristie-david1442]

We can still explore SMSF lending - 9 times multiple on the income you receive into the SMSF!

[@shaneskillzrepresent]

i guess you can only be negatively geared up to amount of super contributions + rental income otherwise you'd empty your super balance just holding the property so you really want as much of a cashflow property as possible - hard with these rates and house prices i would say?

[@AusPropertyMasteryWithPK]

The lvr is generally lower in smsf

[@andrewcheshire244]

FFS it'll take me 10 years to get to $120k before I can get a SMSF. By that time property values will have doubled and it'll take another 10 years to save another $120k. It's literally impossible for many battlers to get onto the property ladder.

[@classicappetite]

Yes

[@DaneMcmullan]

Yes

[@haywirekwek]

Yes part B please 😂

[@DarrenSmith-x6h]

Yes p- 2

[@x.mhuang631]

You actually can borrow more than 80% in an smsf loan

[@Hayden-bs3oz]

How? Who through?

[@ADMIN-Aditi-r5p]

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

[@Hayden-bs3oz]

@Adminchannel0 wut? Your not admin, my question wasn't directed at you nor did op post a question, they made a statement.. and who even uses telegram🤦‍♂️😆 Bro...🤦‍♂️

[@rakeshkumarjagdishsingh5512]

Yes to whiteboards

[@ADMIN-Aditi-r5p]

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

[@Jakeplazapainish]

PK, you give me lazy vibes.. I watch your videos before going to bed.

[@user-hm6uu4sl9d]

@@Jakeplazapainish totally agree 😁

[@Rob-mg4nh]

Forget property, put it all in crypto

[@marton7949]

Sounds like a headache

[@markwilliams3245]

They are. Bigtime. U need a really good accountant who can guide you.

[@rahulsham4014]

SMSF > Crypto > Real estate

[@peter-r3848]

i thought no stano duty when you buy through SMSF-Do you pay stamp duty in SMSF? SMSF trust deeds are generally stamp duty-free. However, the Northern Territory and Tasmania charge nominal fees on SMSF trust deeds. The State Revenue Office also exempted stamp duty on a property that is being transferred from an SMSF trustee to a member.6 Oct 202copied please let meknow VIC/Bris/perth

[@robi19able]

Yes for second part.

[@vitaliypodstreshniy4089]

Yes

[@gracehuang4238]

Yes

[@kiranali1269]

Yes