We get asked this question a lot - and while at first it may seem to be because the banks, the reality in this instance is that the blame is mostly on the regulator. What is going to define the cost of a loan to a lender is the amount of capital they will have to hold to lend you that money. Broadly … [Read more...] about Why are SMSF loans more expensive than standard residential loans?
SMSF Loan, Investment & Property News
15 years ago, we saw the need in a growing market for lending experts who specialise in SMSF. Our team now combines years of experience through every aspect of self-managed super funds. Together, we organise more limited recourse borrowing arrangements (LRBA or SMSF loans) in a week than most other brokers or bank branches in a year. Here we share some of our insights as well as SMSF news with you.
Our expertise has been sought by and seen in Australian Broker, the Herald Sun, Money and Mamamia.
Make sure you get the right SMSF lending advice. Send us a message or call SMSF Loan Experts on 1300 781 680.
How much money do I need in Super before it makes sense to setup my own SMSF?
How much money should I have in Super before it makes sense to establish my own SMSF? This is a question which we’re often asked and which we often see discussed in SMSF circles. The ATO has provided a suggested figure of around 150k. Some advisers will suggest that a figure of $250-500k is an … [Read more...] about How much money do I need in Super before it makes sense to setup my own SMSF?
Types of properties you can purchase using a SMSF
If your SMSF is not borrowing money to purchase property there is very little restriction on the type of property it can buy - as long as there is sound investment logic behind the purchase. If you’re SMSF does need to borrow to make the purchase - which for most people will be the case - there are … [Read more...] about Types of properties you can purchase using a SMSF
Improve your SMSFs purchasing capacity
Because SMSF loans can be more difficult to service than regular loans, many people find that the purchasing power, that is, how much they can borrow to purchase property, of their SMSF is less than they might have hoped or expected. Today we look at a typical scenario where this occurs and what you … [Read more...] about Improve your SMSFs purchasing capacity
Why SMSFs are such a popular vehicle for property investment
Why are SMSFs such a popular way to invest in property? Many people already understand or have experienced for themselves that property investment can be a great way to build wealth. It’s also widely recognised that having the ability to borrow money for investment is a terrific strategy for … [Read more...] about Why SMSFs are such a popular vehicle for property investment
Overcoming The Perils of Bank Valuations
Property valuation can be likened to a science, using facts, mostly comparable sales in this case, to ascertain the value of a property offered as security for a loan to a lender. How much a specific security property is worth will define how much the said lender is willing to lend against it. Each … [Read more...] about Overcoming The Perils of Bank Valuations
The Pros & Cons of Using Super for Property Investment
While Super can be a great investment vehicle - it’s not necessarily the right choice for everyone. One of the first and most common questions we get asked by clients looking for SMSF Loans is "Do I have enough money in Super to invest in property?" What's less often discussed are the reasons why … [Read more...] about The Pros & Cons of Using Super for Property Investment
SMSF liquidity requirements : how to reduce its impact on borrowing capacity
SMSF Liquidity requirements are a relatively new feature of most SMSF loans that can reduce your SMSF's borrowing capacity. To understand how liquidity requirements work - and how you can reduce the impact on your borrowing capacity - we'll start by defining just what 'liquidity' means. In terms of … [Read more...] about SMSF liquidity requirements : how to reduce its impact on borrowing capacity
Can I use my super to buy a car?
The simple answer is YES, SMSFs are allowed to invest in all manners of collectibles including but not limited to cars and other motor vehicles. The list would also include things like jewellery, art, stamps, wine and more… The main challenge with these investments is to ensure that the SMSF … [Read more...] about Can I use my super to buy a car?
Can I Buy an Investment Property with SMSF?
Can you access super to buy a house in Australia? Do you want to know more about acquiring a self-managed super fund (SMSF) property? You’ve come to the right place! Purchasing commercial or residential property through SMSF as an investment can be the perfect structure for you to maximise your … [Read more...] about Can I Buy an Investment Property with SMSF?
