Self Managed Super Funds and What You Need to Know | Outside In with Zoe Vos | Beagl

🎙️ Episode 9 – Can your super fund buy the property your business operates from? And more importantly, should it? In this episode, we dive into the world of Self-Managed Super Funds (SMSFs) and commercial property investing, exploring how business owners can use their super to purchase and hold the premises they operate from. We discuss the key rules surrounding SMSF property purchases, including arm's length transactions, market-value rent requirements, and how lenders assess borrowing capacity through an SMSF. You'll learn what banks look for when evaluating loan applications, how commercial property can fit into a long-term retirement strategy, and why an SMSF isn't always the right solution for everyone. Chapters: 00:00 - Intro: What Is This Episode About? 00:41 - Who Is Poonam? Her Journey Into SMSF 04:37 - Who Is Zayna? From Mining to Mortgage Broking 06:31 - Why Aren't We Taught This Stuff in School? 07:38 - How Much Super Do You Need to Start an SMSF? 08:18 - Should I Set Up an SMSF With $300K Combined? 09:16 - What Goals Should Drive Your SMSF Decision? 10:23 - Why Is Property a Long-Term SMSF Strategy? 11:12 - How Did One Client Retire on a $2M Super Fund? 12:39 - Borrow Inside an SMSF? 13:44 - How Far Can Lenders Go — Can You Borrow 90%? 14:08 - What Liquidity Rules Apply to SMSF Lending? 15:16 - Does Your Personal Borrowing Affect Your SMSF Capacity? 16:25 - What Do Lenders Actually Look At in an SMSF Application? 17:44 - How Do You Set Up an SMSF Step by Step? 18:41 - What Is the Incubation Period and Why Does It Matter? 19:48 - Can You Invest in Shares or Gold Instead of Property? 20:04 - Why Is Self-Discipline the Real Key to an SMSF? 21:09 - Penalties for Misusing SMSF Money? 22:09 - Who Should NOT Set Up a Self-Managed Super Fund? 23:38 - What Structures Do You Need to Set Up Before Buying? 24:30 - What Is a Bare Trust and Why Is It Required? 28:17 - How Does the Bear Trust Protect You If Things Go Wrong? 30:06 - How Do You Apply for a Loan Through Your SMSF? 31:59 - Should You Get Pre-Approval for an SMSF Property? 33:21 - How Is Commercial Property Different Inside an SMSF? 35:21 - Can You Rent Your Own Business Premises Through Your SMSF? 37:30 - Why Do So Many Business Owners Buy Commercial in Super? 39:26 - How Does Commercial SMSF Lending Compare to Residential? 41:54 - What Are the Most Common SMSF Questions People Ask? 43:39 - Can Family Members Live in Your SMSF Property? 49:43 - Can You Use Equity From One SMSF Property to Buy Another? 52:19 - Can You Do a House and Land Package Inside an SMSF? 55:08 - How Does Servicing Work — Where Does the Money Come From? 59:00 - Outro: Where to Find Poonam and Zayna With special thanks to: Zayna Chhaya: https://www.liberty.com.au/mortgage-b... Poonam Di Iorio:   / poonamdiiorio   In This Episode: ✔️ Buying commercial property through an SMSF ✔️ Owning the premises your business occupies ✔️ SMSF lending and borrowing capacity explained ✔️ Understanding market rent and compliance requirements ✔️ The benefits and limitations of SMSF property investing ✔️ Liquidity risks and retirement planning considerations ✔️ When an SMSF may – or may not – be the right strategy Before making any major financial decisions, always seek professional advice tailored to your personal circumstances. Subscribe to Zoe Vos 👉 /    / @zoevosbuyersagent   🌐 Learn more at: https://www.beagl.au/team/zoe-vos 📩 Want help buying in Perth? Reach out here: [email protected] 🔗 Links & Resources // BEAGL Beagl Website: https://www.beagl.au Instagram:   / beagl_au   Instagram Zoe:   / zoe.buyersagent   Facebook:   / beagl.au   Spotify Playlist: https://open.spotify.com/show/4d7ICvO...