SMSF Loan

SMSF Loan

We specialise in helping individuals to achieve the potential of their Self-Managed Super Funds through strategic SMSF Loans. Our tailored SMSF lending solutions enable individuals to diversify their superannuation portfolios into lucrative property investments. We collaborate closely with experienced SMSF experts to provide you with the most suitable lending options tailored to your specific needs. With our expertise, compliance assurance, and commitment, we can unlock long-term growth opportunities for your SMSF.

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How Can We Help?

Expert Guidance and Options

As financial brokers specialising in SMSF loans, we offer expert guidance tailored to your unique financial situation. Our tailored approach involves understanding your specific SMSF objectives, risk tolerance, and investment goals. With a keen focus on your needs, we navigate the complexities of SMSF property investments, ensuring informed decisions aligned with your long-term financial goals.

Streamlined Application Process

We simplify the application process, ensuring a seamless application from start to approval. Our team assists in gathering necessary documentation, negotiating with lenders, and guiding you through each step, reducing complexities and saving valuable time.

Diverse Loan
Options

Leveraging our knowledge and connections in the SMSF loan space, we
offer access to a range of SMSF lending options. We ensure you that you have access to competitive loan products and opportunities that match your SMSF investment objectives.

SMSF Loan FAQs

An SMSF loan is used by a Self-Managed Super Fund to invest in property. The returns from this investment, like capital gains or rental payments, go back into the superannuation fund for retirement.

The requirements for SMSF loans when purchasing a property are specific and include:

  1. Residency Restrictions:
    • Trustees or individuals related to trustees are prohibited from residing in residential properties purchased through the SMSF.
    •  Renting out properties bought through the SMSF by trustees or related individuals is also not allowed.
  2. Property Ownership Restrictions:
    • The SMSF is restricted from buying properties already owned by a trustee or anyone related to the trustee.
  3. Sole Purpose Test:
    • The property purchase within the SMSF must align with the ‘sole purpose test,’ which mandates that the primary goal of the investment is to provide retirement benefits exclusively to fund members.

Additionally, it’s important to note that an SMSF can have up to six members, all of whom must act as trustees. Consequently, each member bears equal responsibility for the fund’s decisions and its compliance with relevant laws.
These requirements ensure that properties purchased through SMSFs adhere to specific guidelines and purposes, focusing primarily on the provision of retirement benefits to fund members while outlining restrictions to prevent conflicts of interest or misuse of the investment.

For more information call us on 0410 598 828 or email us on czang@bestprofessionalfinance.com.au for free mortgage health checkup or for any loan enquiries.

  • Residential property purchases through SMSF typically require an 80% Loan-to-Value Ratio (LVR), necessitating a 20% deposit.
  • Commercial property loans via SMSFs usually have a 70% LVR, requiring a minimum deposit of 30%.
  • SMSF loan interest rates are typically higher compared to traditional home loans due to the increased risk associated with limited recourse borrowing.
  • The higher risk for lenders stems from the non-liquidity of property assets within SMSFs. Properties are harder to sell and access for their total equity or value compared to shares, making them riskier assets. Consequently, lenders perceive property within SMSFs as restricting cash access, potentially endangering the fund’s adherence to the sole purpose test.

For more information call us on 0410 598 828 or email us on czang@bestprofessionalfinance.com.au for free mortgage health checkup or for any loan enquiries.

Some lenders may require a liquidity requirement, stipulating that not all liquid assets (cash or shares) in the SMSF should be used for property purchase. They might impose a minimum, such as ensuring the SMSF retains 10% of the property value in either shares or cash after property settlement.

Testimonials

What Our Clients Say

Discover why Best Professional Finance is the trusted partner in bridging lending gaps
for clients’ success.

Thank you for your service Claire. You got us a good deal.

- KL

Claire was very helpful and supportive through the whole loan process! Thank you Claire for helping me

- MP

I would just like to say thank you for all your help in getting my home loan. Claire was a great help and
guided me through the whole process. Thank You.

- GV

Hi Clair
Thank you for an excellent and professional services. It was a pleasure doing business with you, even at
time it was frustrating for both of us dealing with banks bureaucracy and inexperienced staff. I am
exceptionally impressed with you level of knowledge and enthusiasm. Thank you

- NM

I would highly recommend BPF for all loans Claire was very reliable and helpful throughout the whole process from start to finish I will definitely be going there for any future loans.

- N

Hi Claire,
Thank you for providing excellent service for my home loan refinance.
Your enthusiasm in searching tailor made home loan solutions was great. The best thing was that you
made loan process straight forward

- NK

Claire is very helpful and professional. she will always get back to your questions and concern. Highly
recommend Claire for her service

- SS

Claire is easy to deal with and very approachable. She has helped many of our clients find suitable finance packages and we recommend her highly

- MS

Thanks to Claire’s professional service on my case, helped me a lot on refinance products
selection/processing/settlement, make my refinance so easy! Recommended definitely.

- TC

Claire has been amazing to deal with. She has gone above & beyond my expectations! Very professional
& friendly. Couldn’t ask for a better financial broker. Will definitely recommend her services.

- JD

Claire was extremely helpful and professional in finding a home and business loan product that suited my
circumstances. Not only did she help organise this over 12 months ago, but on our loan anniversary she
also contacted the bank on my behalf to lower our interest rates to the current prom

- MG

Thanks for Claire we manage to purchase a property during COVID. It was a difficult time but thanks to
Claire’s extensive knowledge and going above and beyond in terms of document preparation, helping us
to adjust our spending habits, and End-to-End follow through, we manage to get the loan that we needed.
Highly recommend reaching out to Claire for great mortgage advice and professional advice

- HL

It was an absolute pleasure working with Claire on our recent home loan refinance. Claire has an
excellent knowledge of the domestic lender market, including strong relationships with local lenders. She
was extremely professional, efficient, and most importantly, delivered a very smooth and successful
refinance. We would highly recommend her to anyone seeking an experienced broker, and we will
certainly look forward to working with her again in the future

- SL

Claire helped us move from one bank to another. As a result, we now are with a very reliable banker.
Instead of we spending long time on ‘shopping for the good rates’, she has done it efficiently and
professionally. We highly recommend her.

- AY

I received professional and helpful service on my recent home purchase. The whole process was easy and
the result was beyond my expectations.
I will definitely recommend her to my friends and family.

- MHC

Claire is really truly the best mortgage consultant out there. She is very authentic and genuine in her
service approach. She also genuinely cares about her clients and goes above and beyond suggesting other
elements besides the loan payments on how we can reduce and save money in other aspects.
Claire was very patient with us for 2 years and reapplied multiple times and never showed any sign that
she was tired! I can truly say she is now one of our trusted advisor and a good friend as she was part of
success journey.
You will not be disappointed with this powerhouse!!

- AK

Claire has done a great job working to find the best lender for me. Highly recommend. Thanks for the
good work!

- MH

I am extremely happy with Clarie. She worked tirelessly to organise the loan for us from the beginning to
the end. I can easily say that her service, knowledge and expertise is first class. Her advice and help
throughout the process has made the whole process painless . Highly recommend.

- KH

Claire did an amazing job finding a home loan that saved me over $7,000 on LMI. She took care of all the paperwork for the loan approval and made sure the process went quick and smoothly. As a first home buyer, I had many questions about the process and when to do what. Claire reacted to all my emails or text messages swiftly and explained everything with great patience (thanks again, I think I must have been a difficult customer at times!).

- JW

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