SMSF Loans
Getting an SMSF loan in Sydney
SMSF loans are a specialized type of financing used by Self Managed Super Funds (SMSFs) in Australia for property investments, whether residential or commercial.
These funds are private superannuation funds managed by their members, who usually act as trustees. If you are a member of an established SMSF, you can borrow money from lenders to facilitate the purchase of investment properties, which are held in a trust until the loan is fully repaid.
To qualify for such a loan, below are the criteria that must be met:
- All trustees of the SMSF must agree to the loan.
- The SMSF must be compliant with all Australian Taxation Office regulations and laws governing super funds.
- The investment must meet the ‘sole purpose test’ of superannuation, meaning it must be maintained for the sole purpose of providing retirement benefits to the fund’s members.
- The SMSF should have sufficient balance and liquidity to cover loan repayments, as well as other fund expenses and investment obligations.
If you’re looking to purchase an investment property using your SMSF, we can help you get the funding you need. Speak with our expert brokers today!
How can you benefit from self-managed super fund loans?
Leverage
An SMSF loan allows you to use a smaller amount of your fund's money to make a larger investment in property, potentially increasing your returns.
Tax Benefits
The income from the property, like rent, is taxed at a lower rate within the SMSF. Also, if you sell the property after retirement, you might not have to pay capital gains tax.
Asset Protection
If your SMSF can't pay back the loan, the lender can only claim the property purchased with the loan, not the other assets in your SMSF.
Know your SMSF borrowing capacity
Your owner-occupied home loan repayments
Your estimated repayments:
Principal and interest periodComparison rate:
Total interest payable: 6.14% p.a.
6.14% p.a.
$571,628
With 50+ lenders at your fingertips, you have the power of choice
When you set out on your own seeking a loan, banks have the power to reject you. But with us on your side, it’s the other way around. We choose the most suitable loan for your unique needs.
You’re only 3 steps away from your financial goal
Step 1
Reach out to us and let’s discuss your situation and what kind of loan you need.
Step 2
Sit back and relax while we search our network to find the perfect loan for you.
Step 3
Choose the best loan that suits your needs. Then we’ll submit a foolproof loan application to secure your financing.
Why Lend & Loan
10 years of experience
We’ve been doing this for a decade, so we’ve built strong connections with lenders and we know their lending policies inside out. This helps us find the right loans that suit your needs.
One-touch approvals
We know exactly what banks and other lenders require from the get-go. We’re experts at putting together foolproof loan applications that lenders approve without further questions.
Accessibility
We’re not like your typical 9-5 mortgage brokers. You can reach us when you need us, and we’ll get back to you within four hours.
Efficient processes
We understand that you’re busy, so we keep things simple. We try to avoid in-person meetings to save you time and make the loan process easy and stress-free.
Don’t take our word for it, take theirs.
We’ve helped hundreds of Australians
get approved for a loan and achieve their financial goals. Hear it from our
happy clients.
John has been absolutely brilliant! Helped me all the way through the application process and explained everything step by step. Great to have him in my corner navigating through interest rates, products, etc. Thank you!
- Peter Hanna
John and the team at Lend & Loan have been great through the process of our loan application. They were very responsive and always made my wife and I confident we were in the right hands. Highly recommended.
- Luke Saide
John from Lend & Loan was incredible during the process of buying our first home. He was very professional, quick at responding and was happy to answer any questions we had. I would highly recommend him to all my friends & family.
- Rachelle Obierzynski
John has been amazing to deal with from the beginning. He has been extremely patient, professional and optimistic throughout the whole process with our application and we can’t thank him enough for all his hard work! Highly highly recommend him. Thank you again!
- Maryanne Layoun
