Take control of your super and retirement goals. Talk to us about an SMSF loan today.

A Self-Managed Super Fund (SMSF) is a superannuation fund controlled by the individual investor. It provides flexibility to the investor and allows them to choose their investment types.

Lending to an SMSF is available via a ‘Limited Recourse Borrowing Arrangement’ which is a complex process and it is important that the Trustees of the Fund receive appropriate financial, structuring, investment and legal advice from qualified professionals.

We are currently able to source funding for qualifying SMSFs from seven financial institutions.

Please note: the process of lending to an SMSF is more complex than regular investment loans and we need to make sure that each SMSF is able to borrow within the current trust structure.

Our SMSF loan process

Note: You will not be charged for this service.

Step 1: Meet the broker

Our brokers will meet with you to discuss your specific financial needs.

Step 2: Identify the right loan for you

Our brokers will search the market to find the right SMSF loan for you from one of seven lenders.

Step 3: Managing the process

Our brokers will manage the paperwork and loan process from start to finish.

Frequently asked questions

What is a Self Managed Super Fund (SMSF)?

A Self-Managed Super Fund is a superannuation fund controlled by the individual investor. It provides flexibility to the investor and allows them to choose their investment types.

Can I borrow in my SMSF?

Yes you can if you meet the banks’ requirements for minimum balances, regular contributions, etc.

What’s the maximum I can borrow in my SMSF?

Currently banks lend up to a maximum 70% loan to valuation ratio. You must also be able to service the loan from within your SMSF.

What sort of property should I purchase inside my SMSF?

The individual has full discretion as to which property they purchase. Ultimately the investment performance of the property should be the highest priority. There are specific guidelines on property types that an SMSF can/cannot purchase.

Banks will also restrict property purchases inside an SMSF. The distinguishing features are lower LVRs, higher pricing, more stringent servicing requirements. Banks will also insist that the SMSF have at least 10% of total assets of the fund invested in liquid assets (such as cash or equities).

Top tips for SMSF loans

Don’t borrow too much.

Keep some funds in your SMSF for emergencies.

Seek pre-approval before you start looking. So you know how much you have to spend.

As there are few lenders that provide this product prepare to pay up to 1.5% more than a comparable home loan.

Make sure that you’ve been contributing regularly to the SMSF to demonstrate your ability to service the proposed debt.

Get professional advice.

Top tips for SMSF loans

Don’t borrow too much.

Keep some funds in your SMSF for emergencies.

Seek pre-approval before you start looking. So you know how much you have to spend.

As there are few lenders that provide this product prepare to pay up to 1.5% more than a comparable home loan.

Make sure that you’ve been contributing regularly to the SMSF to demonstrate your ability to service the proposed debt.

Get professional advice.

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by Nick Rainsford | 28 Oct 2018

Through our travels into the urban, suburban and rural parts of the country we hear a lot of sayings from people to justify their sometimes lavish expenses. In order to help us get over some of our woes this morning I thought I would compile a list of some of our...