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Finro Finance Our business has customers at its heart.

Whether you are looking for a business loan, asset finance or a home loan, we will simplify the exploration, application and approval process.

17/10/2026

Can the bank take your super if it goes wrong

If a self-managed super fund property loan goes wrong, can the bank take all of your super?

No — and understanding exactly why changes how you should think about this whole strategy.

There's now a complete ban on borrowing via SMSF for residential property. But commercial property? Still completely fine. And if you've already got sufficient funds in your SMSF, you can still buy residential outright — you just can't borrow for it.

One thing you can't do either way: use equity from one SMSF property to buy another. Super rules don't allow equity access the way personal property does. Some lenders offer offset accounts on SMSF loans, but there's no redraw facility.

Knowing where the lines actually sit is half the battle.

DM me "INFO" if you'd like to know your borrowing capacity.

15/10/2026

Meet me at SA Thomson's Beyond Boundaries 2026 property expo on 17th October at Box Hill Town Hall from 6pm _9 pm

14/10/2026

Business owners renting commercial space

You're paying rent every month on the space your business runs out of.

That rent isn't building anything for you. It's going straight into someone else's pocket — funding someone else's retirement while yours sits untouched.

Here's what most business owners don't realise: you can set up a self-managed super fund, have it buy that property, and rent it back to your own business. The rent you're already paying starts going into your own super fund instead.

With around $300,000 in super, that can fund a commercial property purchase worth roughly $800,000. Got less? You may still be able to purchase a lower-value asset.

Same rent. Different pocket.

DM me "INFO" and I'll personally look at your numbers and tell you exactly what's possible.

Four mistakes before you start an SMSF4 mistakes that quietly destroy self-managed super fund strategies — all avoidable...
13/10/2026

Four mistakes before you start an SMSF

4 mistakes that quietly destroy self-managed super fund strategies — all avoidable if you know them going in.

Mistake 1: Treating your SMSF like a personal account — taking money out early or paying personal expenses through it. ATO penalties for this are severe.

Mistake 2: Buying prohibited assets — holiday houses, cars, artwork, or property for family members. Every investment has to pass the sole purpose test.

Mistake 3: Poor record keeping. It's not just paperwork — it's your protection against expensive compliance issues down the line.

Mistake 4: Ignoring arm's length rules. Related-party transactions must be at market value, or your investment income could end up taxed at higher rates.

None of these are complicated to avoid. Get in touch before you start, not after.

10/10/2026

Ordinary super fund vs self-managed

Right now, your employer puts 12% of your salary into a fund like Hesta or Australian Super — and someone else decides where every dollar of it goes.

A self-managed super fund flips that. Instead of a fund manager making the calls, you do. Shares, cash, property, ETFs — whatever actually fits your retirement goals.

Setting one up isn't as expensive as people assume. You can do it online for under $1,000, though support is minimal if you hit a snag with bank letters or contribution restructuring. Go through a financial advisor or accountant instead, and you're looking at $2,000–$2,500 — but with proper support when you actually need it.

Same super. Same contributions. Just you deciding where it goes instead of someone else.

DM me "INFO" if you want to understand your options.

How much super do you actually needHow much super do you actually need before an SMSF property purchase becomes realisti...
06/10/2026

How much super do you actually need

How much super do you actually need before an SMSF property purchase becomes realistic? Most people assume it's a huge amount — way more than they currently have.

Here's what lenders actually look at. They ignore your home loan, investment loans, credit cards, and car loans entirely. Only three things matter: credit history, rental income (counted at 80%), and your super contributions.

A worked example: a property earning $24,000 a year in rent counts as $19,200 toward borrowing capacity. Add your employer's 12% contribution on top, and that's the bulk of the calculation. Still short? Some lenders will accept an accountant's letter confirming an extra 10% of your base salary in contributions.

The number is usually smaller than people think.

DM "INFO" and I'll run yours.

03/10/2026

Four mistakes before you start an SMSF

Most self-managed super fund strategies don't fail because of the rules. They fail because of a handful of avoidable mistakes.

Treating your SMSF like a personal account — taking money out early or paying personal expenses through it — comes with severe ATO penalties. Buying prohibited assets, like a holiday house or artwork, breaks the sole purpose test your fund has to meet. Poor record keeping isn't just messy paperwork, it's exposure to expensive compliance issues. And ignoring arm's length rules on related-party transactions can see your investment income taxed at much higher rates.

None of these are complicated to avoid — but they trip people up constantly.

Get in touch before you start, not after something's already gone wrong.

$800k property with $300k in super$300,000 in super. An $800,000 commercial property. Here's how the numbers actually co...
02/10/2026

$800k property with $300k in super

$300,000 in super. An $800,000 commercial property. Here's how the numbers actually connect.

Most people assume that if an SMSF property loan goes wrong, it puts their entire retirement at risk. It doesn't work that way. SMSF property loans use limited recourse borrowing — a bare trust legally holds the property for your fund. If something goes wrong, the bank can only take the property.

They can't touch the rest of your super, and they can't come after you personally. Your retirement savings stays protected either way.

I've been arranging SMSF loans for 30 years — everything from $150,000 up to just under $2 million. This isn't theory, it's how the structure actually works.

Want to see what's possible for your numbers? DM "INFO."

30/09/2026

How much super do you actually need

Most people think you need way more super than you actually do before a self-managed super fund property purchase becomes realistic.

Here's what lenders actually look at: your credit history, 80% of the rental income from the property you're buying, and your super contributions. That's it. No home loan, no investment loans, no credit cards, no car loan.

Say the property returns $24,000 a year in rent — lenders will count $19,200 of that. Add in your employer's 12% contribution, and that's the income used to calculate your borrowing capacity. Still short? Some lenders will accept an accountant's letter confirming you can contribute an extra 10% of your base salary.

The number is usually smaller than people assume.

DM me "INFO" and I'll run your actual numbers.

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Melbourne, VIC

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