We Help Australians Build Wealth for Retirement—Through SMSF & Property Investment
Join the 1,000+ families we’re helping take control of their financial future.
Superannuation is one of the most powerful tools for building wealth—but are you making the most of it?
At Finsap, we provide guidance on SMSF lending and property investment strategies, helping you explore how property can play a role in your retirement planning.
Understanding Self-Managed Super Funds (SMSFs)
A Self-Managed Super Fund (SMSF) is a private superannuation fund that allows individuals to take control of their retirement savings. Unlike retail or industry super funds, an SMSF provides the flexibility to invest in a wider range of assets, including direct property investment.
SMSF = Your Super, Your Control
As an SMSF trustee, you have direct control over your investment decisions. However, managing an SMSF comes with significant responsibilities.
Up to four members can be in an SMSF.
All members must act as trustees (or directors if using a corporate trustee).
SMSFs must comply with superannuation and tax laws.
A clear investment strategy is required.
Annual audits must be conducted to ensure compliance.
Is an SMSF Right for You?
While SMSFs provide greater investment control and flexibility, they are not suitable for everyone. Consider whether an SMSF is right for you if:
You want more control over your super investments.
You have the time and willingness to manage your fund.
You understand your legal and tax responsibilities as a trustee.
You want to invest in assets that may not be available through retail super funds, such as direct property.
If you're unsure whether an SMSF is the right choice, our team can guide you through the key considerations.
SMSF Suitability Survey
Find out if a Self-Managed Super Fund is right for your retirement strategy
Your SMSF Suitability Score
Based on your responses, we've calculated your SMSF suitability score.
Our Recommendation
Why Consider Property Investment Through an SMSF?
Many Australians use SMSFs to invest in property because it offers:
Potential for both rental income & capital growth
Tax-effective investment environment (15% tax on income, potentially 0% in pension phase)
Asset protection benefits
Ability to leverage super savings through borrowing arrangements (LRBA)
Diversification of retirement assets for long-term security
"We were unsure how SMSF property investment worked until we spoke to Finsap. They simplified everything and guided us through the lending process, ensuring we had the right team in place."
Ready to Learn More?
Now that you have a better understanding of SMSFs and their potential benefits, let’s explore the next steps in setting one up properly.
Disclaimer: The information provided on this page is general in nature and does not constitute personal financial advice. Finsap specialises in SMSF lending and property finance solutions and does not provide financial or tax advice.
Before making any financial decisions, you should consider whether the information provided is appropriate for your personal circumstances, financial goals, and risk profile. We strongly recommend consulting a licensed financial adviser or tax specialist to ensure compliance with SMSF regulations.
