Property loans to self-managed super funds for doctors
Invest in your practice property through your self-managed super fund (SMSF) – can provide certainty to your practice and grow your retirement wealth.
Owning property through your SMSF can provide certainty of tenure to your practice while bringing valuable advantages to your retirement nest egg.
There are compelling reasons for doctors to consider owning their practice property. It brings certainty of tenure to the practice and provides the flexibility to fit out the property in the way that best suits the needs of the doctor's practice and patients.
Even better, many doctors find that over time it is actually cheaper to own a property than to lease.
Buying an owner-occupied commercial property can also bring valuable tax savings, especially when the property is held in a lightly taxed self-managed super fund. Then, when doctors choose to retire, they can continue to hold the property, and enjoy the passive income generated by the property’s rent returns.
How do SMSF property loans work?
Lending within the superannuation environment works slightly differently to traditional property loans.
As an SMSF is designed to support doctors in retirement, loans to SMSF are required by law to be ‘non-recourse’, which means the lender does not have recourse to any of the assets held by the SMSF beyond the property being funded. This is very reassuring for medical professionals as the other investments within your SMSF are quarantined from the lender.
Avant can provide competitive financing options up to 80% of the property’s value when you are operating your practice from the property*.
Borrow up to 80% of a property’s value*
Talk to Avant about providing competitive finance options to borrow up to 80% of the property’s value.
Diversify your SMSF portfolio
Adding commercial property to your SMSF portfolio brings diversification to your investment strategy.
Competitive rates
Choose from Avant’s suite of competitively-priced loans or let us source a great rate through our lender partners.
Potential tax savings
Owning practice suites through an SMSF can potentially deliver valuable tax benefits.
Fast, efficient process
Our streamlined application process and rapid approval times let you plan for, and proceed with, a property purchase sooner.
Why partner with Avant?
Avant specifically works with medical professionals, and we bring our wealth of experience with medical practices.
Choose from Avant Finance’s competitively-priced SMSF loans or let us recommend the appropriate product from one of our lender partners.
We’ll source the loan that best meets your needs, saving you time and money.
This varies between medical professionals. Your Avant Finance specialist can let you know the borrowing power of your SMSF.
In general, if the property is owner-occupied, SMSFs can borrow up to 80% of the property’s value*.
We always recommend speaking to your tax professional for bespoke tax advice.
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Disclaimers
*Eligibility criteria, terms and conditions, fees and charges apply. Contact us for further details.
