How to get around the SMSF property curbs

SMSF property investors are caught up in APRA’s attack on investor lending, but there’s an alternative.

Summary: Banks are increasing interest rates for SMSF loans, with some lenders withdrawing from the market. This follows concerns from banking regulator APRA that the level of investment lending is too high, particularly in Sydney and Melbourne.

Key take-out: Increased rates for SMSF property loans could again increase the appeal of “related party” loans, where SMSF trustees become the lenders, usually by borrowing against other property assets to loan to the SMSF.

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