RESIDENTIAL SMSF LOANS
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.
Trusted & Awarded
Low Interest Rate & Flexible SMSF Loans
Access Ultra-competitive SMSF loan rates with unrivalled property flexibility.
Approval for more property types including high rises, hobby farms, and agricultural operations
Residential or commercial property loans
Higher purchasing capacity and lower rates, fees and charges than other brokers.
Expert attention to the complex paperwork required for self managed super funds
Understanding SMSF Residential Loans
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Loan to value ratio can be up to 80%
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Interests rates generally are about 2%-2.5% higher than traditional residential loans
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Can be used to purchase house, townhouses and apartments
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Can not be used to build a house (i.e. no progress payments allowed
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Can not be used for vacant land
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Legal and application costs generally range between $1,500 - $3,000
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We recommend 60 days settlement for SMSF purchases, even though we have achieved <10 days settlements on occasions
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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
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SMSF loans are most often harder to service than normal loans
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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.
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Require a personal guarantee by the SMSF trustee(s)
How Our Super Fund Loan Process
Works
Our streamlined process ensures you get the best SMSF loan with minimal hassle.
Here’s how it works:
How Our Super Fund Loan Process
Works
Our streamlined process ensures you get the best SMSF loan with minimal hassle.
Here’s how it works:
Assess and Plan
We assess your situation and explore
lending options to plan your investment
strategy.
Apply and Negotiate
We manage the loan application and
negotiate with lenders to get you the best
terms and rates.
Fund and Implement
Once approved, we ensure quick
disbursement and assist with your
investment strategy, providing ongoing
support as needed.
Our Services
Whether you're looking to refinance an existing SMSF loan or need finance to buy a property investment in super, our experienced team of self-managed superannuation fund service providers can help you find the right SMSF loan.
Residential SMSF Property Loans
As a self managed super fund SMSF trustee, borrowing to purchase an investment property could be the financial kick-start you’ve been searching for. We can help you access the best finance solutions to purchase your investment. Our strategies help to maximise the growth of your SMSF residential investment property.
SMSF Loan Refinance
If your residential or commercial property loan is more than 2 years old, you could be missing out on more competitive products recently released to the market. We compare products and strategies with your finance needs, to match you with the most cost-effective loan for your circumstances.
SMSF Setup
Ensure your self managed super fund is set up correctly and compliantly. We help with the set up of your fund, all the way through to the settlement of your property - we can even organise to have your loan pre-approved before your super fund has been established.
Commercial SMSF Property Loans
Looking for a loan to purchase a commercial investment property inside of super? With access to a number of commercial loan products, we can build a tailored investment strategy for your self managed super fund commercial property investment.
SMSF Lending Strategy
Our goal is to find the right Self Managed Super Fund lending strategy for you. Investing in property within your SMSF can be complicated - Our experts help simplify the whole process.
Bad Credit SMSF Loans
Having a bad credit score doesn’t have to mean you miss out on borrowing to invest or get stuck with high interest rates. At SMSF Loan Experts, we offer lending solutions especially geared for clients with a less than perfect credit history.
Melbourne Office
Suite 2, 54 Davis Avenue
South Yarra VICTORIA 314
1300 781 680
Low Interest Rate & Flexible SMSF Loans
Access Ultra-competitive SMSF loan rates with unrivalled property flexibility.
“We were so impressed, we hired them again to refinance the loans for our other properties.”
Lee Johnson, Melbourne
“SMSF Loan Experts helped with everything from advice about purchase and SMSF setup right through to settlement.”
Sarah Wilson, Brisbane
"We choose to use SMSF Loan Experts for our clients because their knowledge in this specialised field is outstanding."
John Collignon, C2 Lending
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
Frequently Asked Questions About
SMSF Loans
Common Questions Answered
Yes, SMSFs can borrow money for property, managed funds, or shares using a
Limited
Recourse Borrowing Arrangement (LRBA)
. This process is heavily regulated, so
getting expert advice is recommended. Contact us for more details.
Navigating through property investments within an SMSF involves various
considerations such as property values, regulatory changes, interest rates, tenant
occupancy, and financial liquidity. Working closely with experienced experts can help
manage these factors effectively and ensure the stability and growth of your
investment portfolio.
ENQUIRE NOW