How catch-up super contributions and a full financial ecosystem approach turned an equity shortfall into an approved SMSF loan.
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Two self-employed builders running a business together wanted to purchase a warehouse to operate from. But this wasn’t just about finding premises — they also had future personal investment goals they didn’t want to compromise.
That dual priority pointed toward one structure: buying through a Self-Managed Super Fund. Done right, it would secure their business premises, generate commercial rent back into super, and preserve their personal borrowing capacity for what came next.
Rather than ruling out the SMSF pathway, a structured four-step solution was built around the clients’ actual financial position — not just the numbers on the surface.
| Contribution Review | Catch-Up Contributions | Right Lender Match | Full Ecosystem View |
|---|---|---|---|
| Audited super contribution history and identified unused caps with the clients' accountant. | Boosted super balances using available catch-up concessional contributions to close the equity gap - tax-effectively. | Found a lender that counts proposed future contributions toward serviceability. | Built a holistic case aligning business income, super contributions, commercial rent and personal finances. |
SMSF lending can be a powerful strategy — but only when structured correctly. With the right approach, catch-up contributions can solve equity shortfalls, proposed future contributions can support serviceability, and business, personal, and super structures can be aligned into a single compelling case. If you are considering buying your business premises or exploring SMSF strategies, let's have a chat.
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TS Finance Broking ABN: 30 162 136 790, TS Finance Broking Pty Ltd ABN: 30 162 136 790. Credit Representative #436865 is authorised under Australian Credit License #389087.
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