The best self managed super fund lenders in Canberra

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Liberty Financial is rated one of the best self managed super fund lenders in Canberra. Photo: Michelle Kroll.

If you’ve ever considered managing your own superannuation, you’ll understand the importance of choosing the right financial support. Whether you’re looking to secure your retirement or take greater control over your investments, you’ll need a reliable self managed super fund (SMSF) lender.

An SMSF lender is a financial institution or lender that provides loans specifically for self managed super funds. These loans are typically used to invest in property or other assets within the fund. In this article, we’ll outline the qualities to consider when choosing an SMSF lender and share where to find the best in Canberra.

What makes a great self managed super fund lender?

Selecting the right SMSF lender can streamline your investment process and ensure that your financial decisions are well-supported. It can be helpful to keep the following in mind when choosing an SMSF lender.

  • Experience in SMSF lending. A lender with extensive experience in SMSF loans understands the complexities and regulations involved. This expertise can be invaluable in guiding you through the process, helping you avoid potential pitfalls, and ensuring compliance with legal requirements.
  • Competitive interest rates. Interest rates can significantly impact the overall cost of your SMSF loan. A great SMSF lender will offer competitive rates that help you maximize the return on your investment, ensuring your fund grows efficiently.
  • Flexible loan terms. Flexibility in loan terms, such as repayment schedules and loan structures, is crucial for managing your SMSF effectively. A lender that offers a range of options can tailor a loan that best suits your financial strategy and investment goals.
  • Strong customer support. Navigating the world of SMSF lending can be complex, and having reliable customer support can make a huge difference. A great SMSF lender will provide prompt, knowledgeable assistance, helping you make informed decisions and resolve any issues quickly.
  • Local expertise. When it comes to investing in property through an SMSF, local knowledge can be a significant advantage. A lender with a deep understanding of the Canberra market can provide insights that help you make smarter investment choices.

The best self managed super fund lenders in Canberra

Riotact’s editorial team has combed through 20 years of on-site comments to compile a list of the most recommended businesses according to you.

To be listed in our Best of Canberra series, each business needs to have consistently received positive feedback on Riotact and Facebook as well as maintaining a minimum average of 4/5 stars on Google.

Oliver Buecher - Liberty Adviser

A Canberra local for more than three decades, Oliver Buecher has a range of business experience and diverse portfolio to back his seven years of work in the finance industry.

A specialist in self managed super fund (SMSF) and commercial loans, asset and leasing finance, business capital, and home, car and personal loans, Oliver is a big believer that no two borrowers are the same. He understands how important it is that clients are given the opportunity to assess all potential options when looking for a solution to suit their needs.

You don't know what you don't know, and making sure SMSFs are compliant and productive is a complex process best left to the professionals. Expert advice here is crucial; given Oliver's extensive experience, he is more than qualified to help his clients save precious time, money and stress.

Oliver aims to make every client's journey as seamless as possible, prioritising fast, efficient and customised lending. He also holds a Certificate IV in finance and mortgage broking, is a member of the Finance Broker Association of Australia and Australian Financial Complaints Authority, and recently took home Liberty's Gold Broker award.

Eleanor reviewed, "Oliver was professional, friendly, responsive and very knowledgeable... made what could have been a stressful process smooth and easy."

DFK Everalls

DFK Everalls is a Canberra-based accounting and financial services firm, with a reputation for genuine advice and professional service.

Their experts help self managed super fund clients establish their fund, ensure its compliance and proper administration, perform retirement health checks, and suggest tax, pension and investment strategies.

Sandra Lauff says on Google, “I’ve been a client of DFK Everalls for probably 25 years ... their response is extremely helpful and supportive of my personal and professional financial needs.”

Elston Canberra

Elston Canberra has a team of self managed super fund specialists at clients' disposal, ready to build, protect and maximise their superannuation savings with tailored advice and exceptional service.

Tony Meredith says, "By helping me structure my super fund correctly and creating an investment strategy that’s tailored to my goals, Elston have given me greater confidence in the direction I’m taking."

Shield Wealth

Operating conveniently out of Fyshwick, Shield Wealth keeps Canberrans in charge of their own investment decisions through professional oversight of self managed super funds.

Through competitively priced packages, this team can determine whether a SMSF is the right choice for each client, becfore coaching them through the complex SMSF set-up process.

Shield Wealth then ensures the fund remains compliant and efficient, supporting every client with tailored strategy and administration, so their investment works best for their unique needs.

MGI Joyce|Dickson

MGI Joyce|Dickson's SMSF division covers the full range self managed super fund services, including assisting with fund establishment, compliance, contributions, strategy pension commencement and more.

The team proudly develops relationships that go beyond numbers. They act as a trusted partner, providing reliable, timely and well-considered advice.

"The team at MGI Joyce Dickson quite frankly have been phenomenal," Nathan Dunn says online.

"We made the switch and have never looked back."

If you’re looking for more information on brokerage in Canberra, you might find our articles on the best mortgage & finance brokers, commercial mortgage brokers and insurance brokers useful.

Your experience with self managed super fund lenders in Canberra

Thanks to our commenters who have provided insightful feedback. If you believe we have got it wrong, please let us know.

Have you had experience with any of the Canberra self managed super fund lenders listed above? If so, share your feedback in the comments below.

Frequently Asked Questions

How many members can a self managed super fund have?

A self managed super fund can have up to six members - either individual trustees or directors of a corporate trustee of the fund.

How much does it cost to run a self managed super fund?

This depends on the value and type of assets in your self managed super fund, but generally speaking, operation, administration, annual tax and audits cost about $1,500 annually, plus investment fees.

How much super do I need to start a self managed super fund?

There technically isn't a minimum balance required to start a self managed super fund, but keeping cost-effectiveness in mind, it's recommended to set up with a balance of at least $200,000 to $250,000.

What can a self managed super fund invest in?

A self managed super fund can invest in shares, property, cash, bonds, term deposits, non-related businesses, managed funds, cryptocurrency and more.

When can I access my super?

Lump sum withdrawals can be made from your self managed super fund between preservation age and 64, but only if you are retired.

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