SMSF Residential Loan

Acquire properties with low-interest & flexible SMSF residential loans. 

What We Can Do for You

SMSF Loans Co Services

Want a lower interest rate on your SMSF loan?

SMSF Loans Co has some of the lowest rate SMSF home loans in the market today. You can start saving thousands when you apply for or refinance your SMSF residential property loan.

Understanding SMSF Loans

Taking out loans through your self-managed super fund (SMSF) comes with a few complexities. Still, it’s one of the most cost-efficient ways to acquire an investment property and grow your retirement fund. Here are some factors to keep in mind:
 
  • The loan-to-value ratio can be up to 80%.
  • SMSF property loan interest rates generally are around 2%-2.5% higher than regular residential loans.
  • An SMSF loan can be used to buy houses, apartments & townhouses but not for vacant land.
  • In general SMSF loans are harder to service and maintain.

SMSF Fees & Requirements

Like any investment strategy, using your SMSF to get a home loan to purchase a residential property comes with a price. Other than monthly repayments, here are the fees and requirements you have to consider before making a move:
 
  • $1,500 – $4,000 is the general Legal & application cost.
  • We highly recommend a 60 day settlement for SMSF property purchases.
  • It may require a personal guarantee by the SMSF trustee(s).
  • Servicing is met by using 80% of the rental income + the members’ employers guaranteed super contributions and salary sacrifice.
Low Interest Rate & Flexible SMSF Loans

How much can I borrow?

  • Standard SMSF Investment Loans: Up to 80% of the property value. 
  • Residential or commercial property: Up to 75% of the property value.

Borrowing capacity?

One of the main issues encountered by SMSF residential loan applicants is proving that there is sufficient income in the trust to support the loan. Get in touch with us. Our specialists will offer independent advice and help you decide whether SMSF lending is the right move for you.


The Benefits of Getting an SMSF Residential Loan

Getting self-managed superannuation fund loans to increase your borrowing capacity to acquire assets like real estate offers tons of benefits. Here are just some of them:

  • Use the rental earnings to pay off the loan: Whether you’re buying a condo unit or multifamily properties through SMSF residential loans, you can use the rental revenues to repay the debt. Essentially, you can keep the investment separate from your other assets and track your returns better in the long run.
  • Acquire higher-value real estate: With the right strategy, you can use your SMSF to obtain real estate worth more than the super fund. Our loan specialists can guide you through what you need to do to make it happen.
  • Reduce your tax liability:  Complying SMSFs can enjoy a capital gains tax discount if the relevant asset has been owned for at least a year. So owning a rental property through SMSF can provide tax benefits. But as mentioned, your fund must comply with the rules of the Australian Taxation Office.
  • Grow your retirement savings: The basic goal of SMSFs is to secure the fund members’ retirement. Acquiring assets that bring income and grow the fund can help prepare your financial future and that of any other fund member.
  • Secure certain assets: All assets within an SMSF are secured. Should your fund default on the residential loan, the lender can’t seize SMSF borrowers’ assets. It can be beneficial if you want to have or already have a diverse investment portfolio.

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Get a FREE SMSF Consultation Today!

Reach out to us today to schedule a phone meeting with one of our experienced SMSF residential loan specialists. They’ll help you decide what’s best for your financial situation and how to grow your retirement fund with the right loan program.

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Join the SMSF revolution, and kickstart your retirement!

    Get a FREE SMSF Consultation Today!

    Reach out to us today to schedule a phone meeting with one of our experienced SMSF residential loan specialists. They’ll help you decide what’s best for your financial situation and how to grow your retirement fund with the right loan program.