SMSF Loans

The process of securing an SMSF property loan can seem like a closed-door meeting of high-powered financial experts. But trust us, once you understand the core principles lenders follow when they assess property, the whole picture clears up. Lenders aren’t just looking at your fund’s finances; they’re also looking hard at the asset you want to buy. They need assurance that if anything goes wrong, the property can be sold quickly and cover the debt. It all comes down to risk,

Deciding to invest in property through your Self-Managed Super Fund (SMSF) is one of the most rewarding financial steps you can take. Yet, we often hear the same concern from aspiring property investors: fear. The SMSF rules are notoriously strict, and the constant worry is, “Are we going to mess this up and face an ATO penalty? "This fear is completely understandable. SMSF lending is governed by complicated legislation, and getting the structure wrong can turn an amazing wea

We’ve got some really exciting news to share with you all. Our very own Senior Lending Strategist, Michael Maiolo, has just been named a finalist in not one, but two categories at the 2025 Broker Innovation Awards : Being recognised as an innovator in two separate fields is a testament to the hard work Michael and the rest of our team put in every single day to provide cutting-edge solutions for our clients. These nominations are a pretty big deal because they aren’t just abo

Wondering whether you can refinance a private loan to an SMSF loan? The answer is yes, but the process is more challenging than standard home loan refinancing, especially without professional assistance. With limited lenders offering this specialised service and strict eligibility criteria, applying for a refinance loan within a Self-Managed Super Fund (SMSF) structure requires experience and a well-planned strategy. So, let us help you with a quick guide. What Is an SMSF Loa

When it comes to your superannuation, one of the most common questions people ask is, It’s an important question, as understanding how your retirement savings measure up can help you gauge whether you’re on track for a comfortable retirement. But there’s no one-size-fits-all answer. Several factors can affect how your super balance compares to the average for people in your age group. Average Superannuation Balances by Age While averages vary depending on the source, super b

Investing in NDIS (National Disability Insurance Scheme) properties through a self-managed super fund (SMSF) is becoming popular among property investors seeking both financial returns and social impact. NDIS property investments offer rental income supplemented by the Australian Government through payments through the tenants NDIS plan. The niche nature of NDIS properties, combined with the regulatory structure of SMSFs, requires careful consideration. In this article we dis

Family self-managed super funds (SMSFs) have become increasingly popular for those seeking greater control over their retirement savings and the ability to invest in growth assets like property. Owning property in a family SMSF requires thoughtful planning to keep the fund aligned with the family’s collective and individual retirement goals. In this article, we’ll explore considerations and strategies for managing a family SMSF that includes property. Why Families Are Invest

For those managing their own retirement savings through a self-managed super fund (SMSF), investing in property might be considered as part of the investment strategy. However, a poor credit score can complicate the process of obtaining an SMSF loan. Despite this, there are strategies to improve your chances of securing financing, even for borrowers with a bad credit history. Let’s explore how you can navigate the process and access a bad credit SMSF loan . Understand What Le

With various types of superannuation funds available, it’s important to understand their differences so you can choose the option that best aligns with your financial goals and lifestyle. In this article, we’ll explore the different types of super funds, including self-managed super funds (SMSFs) and how property investment can play a role within an SMSF. What is Superannuation and Why Does it Matter? Superannuation exists to provide funds for people to live on once they reti

Self-Managed Super Funds (SMSFs) are becoming a popular vehicle for investing in property. However, when it comes to making changes or improvements to that property, there are strict rules and regulations that must be followed. These rules are in place to ensure that the sole purpose of the SMSF — providing for your retirement — is upheld. In this article, we’ll outline what you can and can’t renovate when you own a property through your SMSF. Understanding SMSF Property Rule

What is a personal guarantee? A personal guarantee is a legal commitment made by an individual to repay a loan or debt if the primary borrower, such as a business or trust (in this case, an SMSF), fails to repay the loan. In other words, if the entity taking out the loan cannot repay it, the lender can pursue the individual who provided the personal guarantee to recover the debt. This guarantee is often required by lenders to reduce their risk, especially when lending to enti

Using superannuation to buy a house in Victoria might seem like an appealing option, but there are specific rules and schemes you need to understand. Here’s a comprehensive look at how you might leverage your superannuation for property purchases in Victoria. Can I withdraw my super to buy a house? Without meeting a condition of release (such as retirement), generally speaking, you cannot use your super to purchase a house . But there are exceptions to this rule with the Firs

Self-managed super funds (SMSFs) have the potential to offer Australians greater control over their retirement savings, empowering individuals to tailor their investment strategies to suit their needs. However, with this control comes the significant responsibility to adhere to strict rules and regulations. One particular area of concern is the illegal early access of super and prohibited transactions. It's essential for SMSF trustees to understand the intricacies of these re

The question of whether one can borrow money from their SMSF often arises among individuals who have accumulated a substantial SMSF balance and are seeking financial flexibility or investment opportunities of super. However, navigating the regulations surrounding SMSF lending is extremely complex and requires careful consideration.While limited recourse borrowing arrangements (LRBA) allow for SMSFs to money, SMSFs money is much more complicated. We discuss whether or not SM

Self-Managed Super Funds (SMSFs) have been gaining traction as a financial tool for Australians seeking more control and flexibility over their retirement savings. Among the various strategies available, SMSF loans are increasing in popularity with investors. Let's delve into why SMSF loans are on the rise, their benefits, and how businesses can leverage them to become their own landlords. The Rise of SMSF Loans In recent years, SMSF loans have witnessed a surge in popularit

With the exit of major banks from the SMSF lending space over the last five years, many SMSF property investors are contending with much higher interest rates than necessary. If you're looking for an SMSF loan with a more affordable interest rate and better features, our SMSF refinance service might be right for you. Why are the big banks exiting the SMSF loan space? The limited recourse nature of a limited recourse borrowing arrangement (LRBA) means that if a borrower defaul

Embarking on the intricate journey of managing a Self-Managed Super Fund (SMSF) demands careful planning and strategic financial decisions. A crucial step in this process is securing preapproval for an SMSF loan. The definitive answer to the question, "Can an SMSF get preapproval for a loan?" is a clear yes. This article serves as an informative guide, taking you through the essential process of obtaining pre approval and highlighting the numerous benefits it brings.  Underst

Dreaming of homeownership and wondering if your superannuation can help you achieve it in New South Wales? While superannuation is primarily designed for retirement, there are avenues that may allow you to leverage your super funds for housing-related purposes . In this article, we look at possibilities specific to New South Wales. First Home Super Saver Scheme (FHSS):  If you're a first-time homebuyer in NSW, the First Home Super Saver Scheme (FHSS) might be a game-changer.

Getting a loan for a self-managed super fund (SMSF) can be complex. This guide will help you understand more about SMSF fixed-rate loans for property or asset acquisition. Can SMSFs Get Fixed Rate Loans? Yes, self-managed super funds can secure fixed-rate loans, depending on the lender. Fixed-rate options are offered alongside variable-rate ones for SMSF loans, each with advantages and disadvantages based on the SMSF’s financial goals and the broader market conditions. Let's

Managing your retirement fund requires careful financial planning and strategic investment decisions. Self-managed superannuation funds (SMSFs) have become increasingly popular among Australians seeking greater control over their retirement savings. One of the essential aspects of managing an SMSF is acquiring loans to invest in property or other assets. When shopping for SMSF loans, borrowers often come across the term "home loan comparison rate." In this article, we will de