Invest in co-living properties in Australia with SMSF Loan Experts.
Co-living property investment is an excellent high-yield opportunity for expanding your investment portfolio and optimising your SMSF. At SMSF Loan Experts, we offer tailored solutions, competitive rates and expert guidance on structuring SMSF loans to help you start and maximise your co-living investment. Our team ensures a smooth, hassle-free process and offers financial strategies to match you with the most cost-effective loan.
Co-living is an innovative housing model ideal for professionals, students, and contract workers who desire privacy but still enjoy a sense of community through shared living spaces. For property investors, co-living offers a unique opportunity to maximise rental income through multiple tenants in one home, providing positive, consistent cash flow. When done right, co-living property investments through a Self-Managed Superannuation Fund or SMSF can potentially deliver tax benefits & long-term growth.
Co-living homes are designed to be suited for three or more tenants. This concept attracts tenants who desire independence yet enjoy co-living and offers investors a unique way to diversify their real estate portfolio and gain stable income streams.
With a projected rent of at least $300 per week per tenant, one co-living property with three tenants could make a minimum of $900 a week in rental income. This setup often yields double the income compared to a traditional rental property, making it highly appealing for investors looking for cash flow-positive opportunities.
Co-living properties are purpose-built for multiple tenants and offer a unique proposition of high rental yields combined with excellent capital growth potential. These homes are designed to be appealing and of long-term value to ensure sound investment.
An SMSF-owned co-living property can be sold to another investor or yourself as long as the transaction is at arm’s length. Co-living housing in Australia also often has a high market value due to the potential rental income they can generate.
Co-living offers several benefits, from affordable, well-designed living spaces for tenants to high rental yields with low vacancy rates for investors. It also offers a hands-off investment opportunity through its completely managed and fully fitted setup. Co-living is a promising opportunity that fits the modern housing landscape and helps address Australia’s housing shortage while meeting your financial objectives.
Investors can access a variety of financing structures that come with tax benefits and growth potential, enhancing net returns on high-yielding co-living properties through SMSFs. Likewise, when investing in co-living, SMSF trustees can add diversity to their portfolios with access to lower interest rates compared to other lending avenues, making this financing avenue more adaptable and profitable in the long run. With SMSF investment loans, you can leverage your superannuation savings to invest in property. This can enable the purchase of higher-value properties than you might afford with your current SMSF balance alone. Your super contributions can be used to pay off the SMSF loan, effectively using pre-tax income to build your investment.
While investing in co-living properties under your SMSF can offer these advantages, it’s important to note that it also comes with complexities, including stricter regulations and certain limitations on property usage. This is where our professional advice can help. You can count on us to ensure your co-living investment strategy aligns with your retirement goals and complies with all relevant SMSF regulations in Australia.
Our team of SMSF Loan Experts makes the process of buying an investment property like co-living housing with your superannuation easier, from structuring your loan effectively to handling compliance checks. Drawing from our significant experience in Self-Managed Super Fund lending and co-living investments, we will guide you through complex paperwork, help minimise fees, and source a loan that meets your specific needs. With us by your side, you can gain maximum return on a co-living investment.
An SMSF offers many Australians the unique advantage of investing superannuation funds in real property. SMSFs can borrow funds to purchase assets under a limited recourse borrowing arrangement (LRBA), which can be a valuable investment strategy but requires careful structuring to maintain compliance. Let us guide you through financing your co-living property investment while following LRBA and other SMSF rules.
If you haven’t set up your SMSF but are interested in financing a newly built co-living house through SMSF lending, we’re here to help. We can assist in loan pre-approval even before setting up your SMSF to ensure a smooth start. Our team will also connect you with SMSF setup and administration professionals so everything runs smoothly.
Our professionals will guide you in selecting suitable assets for SMSF borrowing. Commercial property, including co-living housing, is a common choice, providing steady rental income and manageable landlord responsibilities, which can be outsourced. There are no location restrictions on the property types that qualify for an LRBA, so you can choose where to invest.
We specialise exclusively in SMSF lending, handling more SMSF loans weekly than many traditional brokers do in a year. Our brokers are SMSF-accredited with the Finance Association of Australia ( MFAA), and we work with a range of SMSF lenders, thanks to our own credit licence, offering a wider selection of options than traditional banks.
If you want to learn more about how SMSF borrowing can assist you in achieving your retirement goals, we’re the people to talk to; we’re the experts who will guide you through every step.
Investing in co-living properties with your SMSF has never been more accessible. With our SMSF build-only loans, you can expand your property portfolio and secure positive cash flow. We’ll also guide you in building a compliant and successful SMSF strategy.
Contact us for a no-obligation consultation. Call 1300 781 680 or request a callback by filling out the form
