Free SMSF Finance Session

Call or schedule time with us to make sure you get the correct SMSF advice - and the best possible SMSF Loan -
1300 781 680.

RESIDENTIAL SMSF LOANS

smsf-residential

We can help you maximise the growth of your SMSF residential property investment.

Using your super to buy property gives you access to some of the best tax incentives for investing in property. But it’s essential to get the right structure to meet the ATO’s strict borrowing rules and to allow your investment the scope to flourish.

SMSF Loan Experts give accurate, informed advice based on years of experience across all stages of the SMSF buying process. And because we have our own credit license, we have access to some of the most competitive loans on the market.

Our goal is to ensure your investment continues to thrive long after settlement.

Their level of knowledge about SMSF legislation was flawless, and their fast, organised approach kept the process and paperwork as simple as possible.

Sarah Wilson

Read Client Reviews

Understanding SMSF Residential Loans

Loan to value ratio can be up to 80%
Interests rates generally are about 1% higher than traditional residential loans
Can be used to purchase house, townhouses and apartments
Can not be used to build a house (i.e. no progress payments allowed
Can not be used for vacant land
Legal and application costs generally range between $1,500 - $3,000
We recommend 60 days settlement for SMSF purchases, even though we have achieved <10 days settlements on occasions
Servicing is met by using 80% of the rental income + the members’ employers guaranteed super contributions and salary sacrifice – the loan repayments at qualifying rate – SMSF running costs
SMSF loans are most often harder to service than normal loans
Most lenders now have post settlement liquidity requirements, which means that they are expecting your SMSF to hold a minimum amount of cash or shares after settlement. A few select lenders do not have such requirements.
Require a personal guarantee by the SMSF trustee(s)

Have any questions?

Our experts are ready to answer them 1300 781 680.

smsf-residentialRESIDENTIAL SMSF LOANS

We can help you maximise the growth of your SMSF residential property investment.

Using your super to buy property gives you access to some of the best tax incentives for investing in property. But it’s essential to get the right structure to meet the ATO’s strict borrowing rules and to allow your investment the scope to flourish.

SMSF Loan Experts give accurate, informed advice based on years of experience across all stages of the SMSF buying process. And because we have our own credit license, we have access to some of the most competitive loans on the market.

Our goal is to ensure your investment continues to thrive long after settlement.

Their level of knowledge about SMSF legislation was flawless, and their fast, organised approach kept the process and paperwork as simple as possible.

Sarah Wilson

Read Client Reviews

Understanding SMSF Residential Loans

Loan to value ratio can be up to 80%
Interests rates generally are about 1% higher than traditional residential loans
Can be used to purchase house, townhouses and apartments
Can not be used to build a house (i.e. no progress payments allowed
Can not be used for vacant land
Legal and application costs generally range between $1,500 - $3,000
We recommend 60 days settlement for SMSF purchases, even though we have achieved <10 days settlements on occasions
Servicing is met by using 80% of the rental income + the members’ employers guaranteed super contributions and salary sacrifice – the loan repayments at qualifying rate – SMSF running costs
SMSF loans are most often harder to service than normal loans
Most lenders now have post settlement liquidity requirements, which means that they are expecting your SMSF to hold a minimum amount of cash or shares after settlement. A few select lenders do not have such requirements.
Require a personal guarantee by the SMSF trustee(s)

Have any questions?

Our experts are ready to answer them 1300 781 680.

GET IN TOUCH WITH US

Make sure you get the right SMSF lending advice. Send us a message or call SMSF Loan Experts on 1300 781 680.

Free SMSF Finance Session

Contact us today, or schedule a phone meeting with an SMSF Loan Expert to make sure you get the right SMSF lending advice
1300 781 680.

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