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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.

Gear icon SMSF LENDING STRATEGY

Our goal is to find the right SMSF lending strategy for you.

At SMSF Loan Experts, we take the time to understand your financial needs so that we can advise the most suitable lending strategy to meet your goals.

Every situation is different. You need flexible options that will provide the best investment returns. Our team understands the range of lending strategies available to you. These are just a few of them:

C2 Lending

C2 LENDING is one of the best-kept secrets in the industry. It’s a unique SMSF structure that:

  • Gives you access to standard loans at much lower rates than the usual inflated superannuation loans.
  • Saves legal and application costs.
  • Provides access to a wider range of investment options.
  • No Liquidity requirements.

Normally, an SMSF property must sit in a separate trust until the loan is repaid to comply with strict ATO legislation. This is often referred to as a Bare Trust or Custodian Trust and your SMSF is the sole beneficiary of that trust.

C2 Lending, however, allows the Trustee of the Bare/Custodian Trust to be the borrower as opposed to the Superannuation Fund itself.

There isn’t another lending solution like this in the marketplace.

Related Party Lending

Related Party Lending allows your SMSF to borrow money from any combination of sources when acquiring an asset. If you have enough cash or equity in properties, you could become the lender for your SMSF. Example: You borrow $400k against your home to lend to your SMSF. You make the required repayments to the bank and your SMSF forwards repayments to you.

The benefits of such a set up include:
  • Avoiding expensive legal costs
  • No limitations on what type of property investment you buy.
  • Greater choice of lenders.
Things to consider:
  • Losing access to the equity or cash which has been loaned to your SMSF.
  • The maximum borrowing capacity for related party loans is 70% of the value of the property.
  • There are restrictions recently added by the ATO.

This is a complicated loan product that is not suitable for everyone and getting the right advice is essential.

Hybrid Lending

Hybrid Lending occurs when your SMSF borrows some of the funds to purchase a property from a third party, such as a bank, and some of the funds from a related party, such as the funds trustees. In essence, it’s a mix between a traditional SMSF loan and a related party loan.It can be particularly effective to circumvent the GST hurdle for commercial purchases or to bridge a small deposit shortfall.

The set up of hybrid lending is more complicated due to:
  • Coordination of the different parties involved.
  • The requirement for a more advanced bare trust.
  • Comprehensive loan documentation.

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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    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