Make your Super work for you!

Not your Fund Manager

Why use a SMSF to buy property?

Save Fees

Fund manager Fees can be a thing of the past when you run your own SMSF. You're in charge, but remember accountancy and other fees may apply.

Save tax

Income and capital gains tax is treated favourably in superannuation.  Income is taxed at a flat rate of 15%, compared to your marginal tax rate that can be as high as 45% plus Medicare levy (post 2017)

Ramp up your returns

Gearing (Borrowing to invest) can significantly improve returns above that of the underlying asset class. 

Want to know more?

  • What is a SMSF
  • Save Fees
  • Save Tax
  • Ramp up your Returns

​The Association of Superannuation Funds of Australia published the average 10 year rate of return to 30th June 2016 was 5.2%  (other funds)

​Unfortunately, there is no such thing as a single property market so I have not provided comparisons. Each capital city has varied wildly in the growth received in the past 10 years and gross rental yields also vary wildly. It is important that you make an informed educated decision and remember past returns do not equal future returns.  

Steps to Purchasing a property with Borrowings

  • Obtain advice to see if a SMSF is right for you
  • Establish your borrowing capacity - (we can help with this)
  • Setup your SMSF - (Normally undertaken by your accountant)
  • Apply for pre-approval of your loan - (we can help with this)
  • Set up your bare trust and trustee - Accountant
  • Sign a contract to purchase
  • Obtain Final Loan Approval
  • Have your solicitor finalise settlement
real estate for sale red sign and word sold on blue background

Why Choose Mango for your SMSF borrowing needs

At Mango we have years of experience dealing with SMSFs. We can help you understand the pitfalls and guide you around the complex maze of superannuation legislation.  

We can also help you whether you decide to invest in Commercial or Residential ​property. We can also provide side by side comparisons of the upfront and ongoing costs to help you make an informed decision.

At Mango Money we have the largest range of lenders and we negotiate with lenders to get a great rate for you. Also on an ongoing basis, we will review your loans regularly to make sure they meet your needs and stay competitive. ​

Keshena Riddell

I have dealt with Alex twice now and both times he has exceeded my expectations. He is down to earth, professional and always goes the extra mile to get the job done. His communication is outstanding and the process is so easy. I couldn't recommended a more trustworthy and friendly person to deal with. Thanks again Alex for getting a home loan just right for us.

Tim Cheeseman International Business Development Manager

Authentic, reliable and professional advice from someone you can trust is crucial when it comes to your finances. Alex always goes the extra mile to provide the best outcome and also to carefully explain so that you understand what you are doing and why, that's why I highly recommend him and will continue to use his service.

Ashleigh McMillan made refinancing simple,quick and easy. Highly recommend Alex and his team. They work with you every step of the way and get you the best possible outcome. Thank you! We will continue to use Mango Money and a recommend to our friends and family.