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SMSF Loan Experts

It's not complicated when it's done right
Speak to one of our SMSF Loan specialists today 1300 781 680
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8 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.

Bad credit icon BAD CREDIT SMSF LOANS

Are your SMSF loans affected by your bad credit rating?

Don’t let bad credit stop your SMSF Loan. Everyone deserves the right to a secure financial future.

At SMSF Loans Experts, we offer lending solutions that are especially geared for clients who are affected by a bad credit rating. Many lenders are wary about offering loans to SMSF with a less than perfect credit score, so we use our expertise to assess your situation and tailor a solution to help get you across the line. . Depending on your circumstances, we can explore the following SMSF lending solutions: 

  • “Massaging” your Self Managed Super Fund loan application through a prime lender at normal rates and fees.
  • Applying through a specialised SMSF lender while your credit file is being repaired.
  • Borrowing against your existing equity to lend to your SMSF.

We can assess your financial situation and find a solution to get you back on the right track through SMSF loans.

Request Your Free SMSF Finance Session

What do lenders think of a bad credit profile?

Usually, banks and lenders do not approve SMSF loans for people who have a bad credit rating. SMSF lending is a new concept, and lending policies are not very flexible.

Banks are mostly interested in the trust income of your Self Managed Super Fund, and whether there is enough liquidity in the fund for you to afford the mortgage.

However, because you are the trustee making the guarantee, they will also consider your asset-to-liability position, as well as your credit history. Lenders who are ready to provide you with an SMSF loan despite your bad credit position will charge you a higher interest rate due to a higher risk for SMSF lending.

The good news is that we, at SMSF Loan Experts, have several connections to prime lenders who approve loans to SMSF with normal rates and fees.

How to get approved for an SMSF loan despite having bad credit

If you want to get approved for an SMSF loan despite your bad credit rating, you’ll need to tell your lender how much the defaults were for, when they occurred and whether they’re now paid or unpaid. They’ll also like to know how long it’s been since you incurred a bad credit listing and how you’ve moved past the life event. The best way to make your case strong is by providing them with as much evidence as you can.

Don’t let a bad credit rating impact your financial future.

Call one of our experts for a confidential discussion to determine your options for SMSF loans - dial 1300 781 680. Please note, this service is for loans to SMSF only, for applicants who wish to purchase an investment property inside of their SMSF.

Send us a message!

Make sure you get the right SMSF lending advice. Complete the contact form below or call us on 1300 781 680.







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    Free Finance Session for SMSF Loans

    Get in touch with one of our Self Managed Super Fund experts today, or book a phone call to get the right SMSF lending advice for SMSF loans despite a bad credit rating.
    Call 1300 781 680

    Request Your Free SMSF Finance Session

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    Melbourne Office

    Suite 2, 54 Davis Avenue
    South Yarra VICTORIA 314

    1300 781 680
    SMSF Loan Experts is an authorised credit representative (CR No. 471777) of Australian Finance Group Ltd (Australian Credit Licence No.389087). Copyright © 2021 SMSF Loan Experts | Privacy | Site by Matt Angel
    • Call 1300 781 680
    • Home
    • Is This You?
      • I Don’t Have An SMSF, but I’d Like One
      • I Have A SMSF Already
      • Back
    • How We Help
      • Residential SMSF Loans
      • Commercial SMSF Loans
      • SMSF Setup
      • SMSF Refinance
      • SMSF Lending Strategy
      • Bad Credit SMSF Loans
      • NDIS Property Investment
      • Back
    • Client Reviews
    • FAQs
    • News
    • About
    • Enquire Now