Whether you’re planning to buy property to lease out, or your business will be leasing property through your SMSF, it’s important to get the right lending framework to optimise tax incentives and power investment growth.
At SMSF Loan Experts, we advise the most effective lending solution to meet your goals. And because we have our own credit license, we have access to some of the most competitive loans on the market.
We’ll take away the confusion and ensure your investment isn’t limited by an insufficient lending strategy.
All of our experts are SMSF accredited with MFAA (Mortgage and Finance Association of Australia) to walk you through every step of the process. In the areas we can’t help, we draw from close affiliations with specialist lawyers and professionals.
Understanding SMSF Commercial Loans
Interest rates are generally in line (or marginally higher) than traditional commercial loans
Can be used to purchase traditional securities such as factories, warehouses, shops, or offices.
Can also be used for more specialised securities, such as breweries.
Property can be leased to a related business
Commercial loans can’t be used for construction
Application costs, including legal fees, generally range between 1% and 1.5%
Remember GST and whether it’s applicable to your purchase when calculating funds available for settlement
Servicing can be met with rental income only or rental income and contributions
Lenders are generally more flexible when assessing commercial loans
Commercial loans require personal guarantee(s) from the trustee(s)