SMSF Loan Experts

Low Interest Rate & Flexible SMSF Loans

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

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.

Residential SMSF Loans 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.

Understanding SMSF Residential Loans

  • Loan to value ratio can be up to 80%
  • Interests rates generally are about 2%-2.5% 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)

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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    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

    We were so impressed, we hired them again to refinance the loans for our other properties.

    Lee Johnson Melbourne

    We choose to use SMSF Loan Experts for our clients because their knowledge in this specialised field is outstanding.

    John Collignon C2 Lending

    SMSF Loan Experts helped with everything from advice about purchase and SMSF setup right through to settlement.

    Sarah Wilson Brisbane