Self-Managed Super Fund Loans (SMSF)

If you would like to have a Self Managed Super Fund and borrow money to purchase a residential or commercial investment property. You will need to apply for a specific SMSF loan, as standard home loans are not available for SMSF. Luckily, we can help you find the right lender who allows you to borrow using your SMSF.

SMSF loans are available for the following –

• Residential or commercial properties
• Investment property purchases
• For refinancing existing SMSF investment property loans
• Off the plan purchases or properties less than 12 months old – only with specific lenders, please call us to find out.

Features of an SMSF loan

• The security trust holds the legal title
• The SMSF holds the beneficial interest in the property
• The lender has limited recourse only to the mortgaged property
• Money received by an SMSF rental property will be paid directly to the SMSF
• Once the property has been paid off, the legal title is transferred to the SMSF

How much can you borrow?

The amount that you can borrow for your SMSF varies between lenders. Most lenders will restrict you SMSF loan to –

• 72 to 75% of the property value – For standard SMSF loans
• 80% of the property value – With strong asset position and good cash flow.

Do you need help with your SMSF loan?

You can apply for a self-managed super fund loan today. As mortgage brokers, we know which lenders will quickly approve your SMSF loan with great rates.

Find out which bank can offer you the most competitive SMSF loan today.