SMSF with Lionel

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SMSF with Lionel Empowering Australians in the Mortgage Market. Your dreams and financial aspirations deserve the best expertise.

Introducing Lionel Bustamante, a driving force behind MortgageWorks, your premier destination for finance market insights and expertise in Australia. With a passion for helping purchasers, home owners, investors, and anyone navigating the world of mortgages, Lionel provides valuable information, empowering individuals to make informed financial decisions. His journey to the finance sector has helped him hone his skills and develop a deep understanding of the intricacies of the mortgage landscape. With a keen eye for market trends and a knack for anticipating shifts in the industry, Lionel is a trusted advisor for his clients. Lionel's professionalism is complemented by his ability to connect with people on a personal level. He believes that building strong relationships is the foundation for long-term success. When you engage with MortgageWorks, you can expect a dedicated partner who is invested in your financial well-being, offering guidance and support every step of the way. With MortgageWorks, Lionel aims to demystify the complexities of the finance market, making it accessible to all. Lionel understands the importance of staying ahead in an ever-evolving digital landscape. Through his engaging and informative content, you can expect to be informed about the latest developments, emerging opportunities, and practical tips that can help individuals navigate their mortgage journey with confidence. So, whether you're a first-time buyer, a seasoned homeowner, or a shrewd investor, Lionel Bustamante and MortgageWorks are here to provide you with the knowledge, insights, and resources you need to navigate the finance market in Australia. Let's work together and embark on a journey toward financial success with a trusted advisor by your side.

11/10/2026

A lot of people with an older SMSF loan never ask about refinancing because their situation has changed since. Maybe you've gone self-employed or part-time, or you're closer to pension phase.

An SMSF refinance is assessed on the fund, and often the rent alone can service it. The full video also covers what's involved the second time around, and when a refinance isn't worth it.

Watch the full video on YouTube ๐Ÿ”— https://youtu.be/M62AwHaQmYY

08/10/2026

Most people with an older SMSF loan haven't checked the rate in years, because the repayment never touches their pay.

On a $500,000 loan, the gap between 10.5% and 7% is about $17,500 a year leaving your super.

In the full video, I cover whether the August rule changes affect your ability to move an existing loan, and what a refinance really involves the second time around.

Watch the full video on YouTube ๐Ÿ”— https://youtu.be/M62AwHaQmYY

15/09/2026

Getting the property type right is the first gate. The second one is the rent, because through the fund and the business you are the landlord and the tenant here, and the tax office pays close attention to whether the lease sits at a genuine market rate.

The full video covers both, including what happens to the tax treatment if the rent is set wrong.

Watch it on YouTube ๐Ÿ”— https://youtu.be/L4EgmvsQugU

09/09/2026

The catch is that this only works if the fund is in a position to carry the purchase, so the number worth knowing first is your combined super balance.

In the full video, I run a $650,000 clinic purchase against a $420,000 fund, so you can see roughly where the line sits.

Watch it on YouTube ๐Ÿ”— https://youtu.be/L4EgmvsQugU

12/08/2026

If you own a business and pay rent every month, that money is going toward someone else's asset.

But if you buy the premises through your SMSF and lease it back, the rent goes toward something you own at retirement instead.

Alan breaks down who this actually suits, and the advice you need to get first, in the my latest video.

Watch the full video ๐Ÿ‘‰ https://youtu.be/R2opnkJuYX0

10/08/2026

The residential borrowing route inside super closes on the 10th of August, and a lot of people think that shuts the door on property altogether.

Commercial is still on the table, and there are ways to buy without any leverage at all. Alan and I walk through what is left and who it still works for in my latest video.

Watch the full video ๐Ÿ‘‰ https://youtu.be/R2opnkJuYX0

03/07/2026

Buying property through an SMSF involves up to five professionals, and the order you bring them in changes how long the whole thing takes.

In my latest video, I go through who does what, and where the broker fits in the sequence.

Watch the full video on YouTube ๐Ÿ”— https://youtu.be/gvtuOtLtI2Q

02/07/2026

The setup is the hardest part of SMSF property investing, and it's where most people quit, right before the curve flattens out.

In the full video, I map the whole thing: the five professionals, the trust structure in plain language, and the one timing assumption that turns a few weeks into three to five months.

Watch the full video on YouTube ๐Ÿ”— https://youtu.be/gvtuOtLtI2Q

29/05/2026

Most people compare SMSF property to an industry fund and see the same 7% return.

So they think, why bother?

They're asking the wrong question.

It's not about the rate.

It's about what that rate is compounding on.

$200K in super vs $200K as a deposit on a $1M property.

Same growth rate. Same timeframe.

Very different outcome.

Watch the full video on YouTube ๐Ÿ‘‰ https://youtu.be/7FJqf84lUL4

26/05/2026

Your bank says you can't borrow any more. Your SMSF says otherwise. $200K in an industry fund at 7% and $200K as a deposit on a $1M property at 7% look the same on paper.

They are not the same outcome. I ran both scenarios over 30 years in this video.

Watch the full video on our Youtube: https://youtu.be/7FJqf84lUL4

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