Welcome to Eclipse Super

Eclipse Super Pty Ltd offers a unique SMSF "Gearing" Structure which gives people the ability to use their Superannuation savings and a loan to purchase property.

To comply with the legislation governing superannuation borrowings the property being purchased must sit in a separate trust until the loan is repaid.  This is often referred to as a Bare Trust or Custodian Trust.  At all times your SMSF is the sole beneficiary of that trust.

The unique element to Eclipse Super is that under our structure the borrower is the trustee of the Bare/Custodian Trust and not the superannuation fund itself.  This gives you access to a range of standard lending products at much lower rates than the inflated "Superannuation Lending Products".

Some of the potential benefits are:-

• you can take control of your super and make your own investment decisions
• your superannuation fund can borrow and invest directly in residential investment properties
• your superannuation fund can borrow and invest directly in commercial properties
• you can buy your own business premises and pay rent to your super fund
• there is potential to pay 0% capital gains tax when you sell the property
• tax deductible super contributions can be used to make loan repayments

There are also potential risks involved when borrowing to invest and these are described in the FAQ's section.

Eclipse Super specialises in providing compliant SMSF trust deeds and Limited Recourse Borrowing Arrangements (LRBA's). We also specialise in arranging SMSF loans for people wishing to acquire property or shares in a SMSF.