SMSF LOANS

Live retirement the way it's meant to be.

ASK AN EXPERT

Australian Mortgage Corporation carries the required level of certification for SMSF lending advice. We are qualified to provide advice on how to leverage your Super to invest in property. This is a complicated area and requires expertise to do properly.

SMSFs should not be entered into without seeking the appropriate advice from qualified professionals (i.e. financial advisers and accountants).

THERE'S ALWAYS A WAY

Over the last year, SMSF lending rates have increased significantly and lending limits have decreased across the board. However, there are still ways of getting 80% LVR loans within an SMSF environment, as well as a cheaper rate when lending to the bare trust.

 

Superannuation offers certain tax advantages when buying Real Estate for those investing in property for their retirement.

RESTRICTIONS

There are certain constraints on SMSF loans. Some of these are:​

  • Buying a property in your SMSF and living in it.

  • Selling a residential property to your SMSF that you or a related party owns.

  • Construction loans are usually not allowed.

  • Refinances of existing SMSF loans may prove difficult.

  • Most banks insist on significant surplus cash (liquidity requirement) in excess of the purchase.

CLIENT STORY

FINANCE YOUR RETIREMENT

Matt is a freelance Marketing professional. He had Super funds from his time in the UK, as well as a Super balance in Australia. He was keen to invest in property, as well as take control over the investment of his own Super.

 

Most lenders will not lend above 70% LVR for SMSF loans. This means a much higher Super balance is required.

 

Australian Mortgage Corporation helped him leverage his Super balance and buy a property through his Self-Managed Super Fund (SMSF) for $750,000. Matt only needed a 20% deposit, as we negotiated with the lender an 80% LVR. He has now invested the remainder of his funds with a Fund Manager.

NOT SURE HOW MUCH CAN YOU BORROW?

THE BEST CALCULATOR IS YOUR BROKER

Contact us for a more accurate assessment and find out what's possible.

RELATED ARTICLES

9 things to know before buying through your SMSF

January 24, 2018

Using your Superannuation to invest in property?

December 14, 2017

1/1
Please reload

  • White LinkedIn Icon
  • White Facebook Icon
  • White Twitter Icon
  • White YouTube Icon

Suite 3, Level 27

Governor Macquarie Tower

1 Farrer Place, Sydney, NSW 2000

23-25 Bulcock Street, Caloundra
QLD Australia 4551

Suite 225, Ground Floor

262 Adelaide Street, Brisbane, QLD 4000

Recent Articles

Please reload

MFAA Full Member

Australian Mortgage Corporation specialises in the following: home loans, refinancing, property investment, SMSF loans, first home buyers, next home buyers, construction loans, renovation finance, car loans and personal loans. We pay particular attention to the self-employed, entrepreneurs, business owners, tradies, doctors and medical staff.

Australian Mortgage Corporation provides expert lending assistance to all Sydney, Brisbane and Sunshine Coast.

Australian Mortgage Corporation PTY LTD   ABN 27287562868        Australian Credit Licence (CRN) 473963

Designed by RennovaWeb

  • Facebook - Grey Circle
  • Twitter - Grey Circle
  • LinkedIn - Grey Circle
  • YouTube - Grey Circle