Superannuation is generally preserved until you reach your preservation age and meet a condition of release, such as retirement.
There are limited circumstances where early access may be permitted, including severe financial hardship, compassionate grounds or permanent incapacity. These situations are strictly regulated and subject to eligibility criteria.
Because accessing super early can impact your long-term retirement security, it’s important to fully understand the implications before making a decision.
Other FAQs
There is no fixed minimum amount required to begin investing. The right starting point depends on your financial position, cash flow, emergency savings and overall goals. Before investing, it’s generally [...]
When you choose to proceed, you can expect: A structured discovery meeting focused on your goals and retirement lifestyle Detailed modelling to test different income and retirement timing scenarios Clear [...]
We take care to structure applications thoughtfully. Before submitting any formal application, we assess your borrowing capacity and identify lenders whose criteria align with your situation. This helps avoid unnecessary [...]
Most banks do not allow extra repayments on fixed loans. Some banks allow you to make extra repayments on your fixed home loan of up to $10,000 per account which can be [...]
Consumer finance is typically used for personal purchases, such as a car for everyday use. Commercial finance is designed for business purposes, such as vehicles, machinery or equipment, and may [...]
Retirement planning advice is tailored to your circumstances, so fees depend on the complexity of your situation and the scope of advice required. Factors that can influence the cost include: [...]
Recent legislative changes mean new SMSF borrowing arrangements for residential property are generally no longer available. However, eligible SMSFs may still be able to borrow to acquire qualifying commercial property [...]
The earlier you begin retirement planning, the more options and flexibility you’re likely to have. Ideally, structured retirement planning should begin at least 5–10 years before you intend to retire. [...]
Now is always a great time to shop around or check that you have the right loan for your needs. We’re a great starting point. It will depend on what interest [...]
A Limited Recourse Borrowing Arrangement (LRBA) is a specialised borrowing structure used by eligible SMSFs to acquire certain assets, including qualifying commercial property. Under an LRBA, the lender's security is [...]
Because Financial Advice is personal and no two situations are the same. Fees vary depending on your goals, financial position and the scope/complexity of advice required. You can see our [...]
Various incentives are still being dangled in front of first-home-buyers, which may add to the appeal of buying off the plan. Concessions vary across Australia and some have been curbed [...]
In many circumstances, yes. One of the unique features of SMSF commercial property investment is that an eligible business may be able to lease commercial premises owned by the SMSF, [...]
Timeframes vary depending on the lender, the complexity of your situation and market conditions. As a general guide: Pre-approvals may take anywhere from a day to a couple of weeks. [...]
Yes. Your loan should continue to align with your circumstances over time. If your goals, income or financial position change, we’re available to review your structure and discuss whether adjustments [...]
