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The Experts in SMSF Property Loans
We put you first. No matter your circumstances, we'll do our best to find you the right home loan through our network of 40+ lenders.
Speak with an independent broker now to find the right loan for you
No matter your situation, we are here to help. We're specialists in SMSF Property Loans with years of experience under our belt.
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We compare over 40 of Australia’s leading lenders with a choice of hundreds of home loan products
SMSF PROPERTY LOANS PROCESS
Understanding our process
No matter what your circumstances, we will find the right home loan for you from our range of Australia’s leading lenders. We will do all the research and then present you with all your options.
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Step 01
SMSF Setup and Consultation
Start by establishing your Self Managed Super Fund (SMSF). Consult with your accountant or financial adviser to understand SMSF lending rules and ensure this strategy aligns with your financial goals.
Step 02
Property Trustee Appointment
Appoint a property trustee who will act on behalf of your SMSF to purchase the property. Seek guidance from your accountant or financial planner during this process.
Step 03
Mortgage Broker Selection
Choose a specialised SMSF lending Mortgage Broker who will assist you in selecting the right lender. They will also ensure you understand SMSF loan property requirements, lender rates, terms, and conditions, and advise you on your maximum borrowing capacity.
Step 04
Mortgage Application Preparation
An Assured Lending mortgage Broker will assemble your pre-approval SMSF loan application and liaise with the lender on your behalf.
Step 05
Property Selection
Select an investment property that meets the criteria set by lenders for SMSF loans.
Step 06
Deposit and Contract Exchange
Upon loan approval, your property trustee uses your SMSF funds to pay the deposit, legal costs, loan fees, and stamp duty. Contracts are then exchanged.
Step 07
Settlement Process
At settlement, the property trustee mortgages the property to your lender, who pays the balance of the property purchase.
Step 08
Rental Income and Property Management
Once the property is leased, your SMSF begins receiving rental income. Your SMSF is responsible for covering property-related costs and making loan repayments, similar to any other real estate investment.
Step 09
Property Ownership Transition
The property is held in trust for your SMSF by the property trustee. After loan repayment, you can choose to transfer the legal title to your SMSF or opt to sell the property.
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SMSF property loans done right
Purchasing a property with your self managed super fund (SMSF) can be a complex process. Lenders offer a wide range of significantly different lending options for SMSF loans and there are strict ATO regulations on borrowing money to purchase a property with your self managed super fund. An SMSF loan set up incorrectly could cause you major issues .The team at Assured Lending have Mortgage Brokers with many years experience who specialise in SMSF loans. Our Brokers will give you the knowledge and support to make informed choices and get the right SMSF loan, fast and stress free.
Buying property with an SMSF property loan with the help Assured Lending
A self managed super fund loan or SMSF property loan enables the fund to borrow money for the purchase of income producing property. Recent changes to the laws & regulations around SMSF loans have made buying property with super a more popular decision for many Australians. A self managed super fund can only loan money to purchase a property if the strategy is clearly outlined in both the SMSF trust deed and investment strategy statement. The property purchase has to be for the sole purpose of following the SMSFs investment strategy and creating wealth for retirement.All payments for the deposit, legal costs and stamp duty are made from your super fund. Once the property has been purchased, all costs associated with the property, including your loan repayments, are paid from the super fund and all income generated from the rental of the property are paid into the super fund. You as the Trustee for the fund have full control over all leasing, renovating and selling decisions.There are many different SMSF loan options from Australia’s leading lenders currently available on the market. Each loan has varying points of difference relating to cost, terms & conditions and structural requirements. To protect your future income, you need to have knowledge regarding the best loan options for your needs. Speak to a Mortgage Broker who specialises in SMSF loans to ensure you have the expert advice you need to make an informed decision.
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Structuring your application with the right lender
A major factor in the success of any loan application is knowing the criteria and flexibilty of the lenders. Australian lenders have extremely strict requirements for SMSF loans and they offer a wide range of significantly different lending options. Because of the large amount of Self Managed Super Fund investment loans that we do, we know which lenders will be more favourable to your specific needs and we can structure a loan application for the highest chance of approval with the best outcome for your financial future.
What lenders look for with an SMSF loan application
- Deposit: You will need to pay a deposit from your SMSF of least 20% of the property value. This percentage varies with different lenders.
- Rental income: Projected rental income from the property is factored into your ability to make repayments.
- Superannuation contributions: Lenders check how regularly and consistently all members of the SMSF make super contributions as these will be relied on, in conjunction with rental income, to meet your loan repayments.
- Structure of SMSF: The way your SMSF is structured must be compliant with ATO and ASIC rules.
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5-Star ⭐ Google Reviews
5-Star ⭐ Google Reviews
I wholeheartedly recommend Quintin as a mortgage broker for anyone seeking to refinance an SMSF loan. His deep knowledge, attention to detail, prompt communication, and unwavering dedication to client satisfaction make him an outstanding professional in his field.
Hoai Huynh
Quintin was so professional from start to finish. Answered all of of questions and made the whole process smooth and simple. Highly recommended.
Danny Bray
Amanda from Assured Lending Mortgage Brokers was instrumental in assisting me with purchasing my first property. She was extremely approachable, knowledgeable and very responsive. Whenever I had a question she was quick to respond and provided me with insightful and expert advice throughout the process.
Drazen Cuca
Couldn’t be happier with the service provided. Being my first home loan, I had lots of questions – Quintin was very helpful, knowledgeable and provided thorough explanations. Good communication was key and he was readily available for a chat from start to finish.
Roy Kennard
Quintin is friendly and approachable. He explains everything well. He was always contactable and got the loan done quickly and efficiently. I would definitely use Quintin again 😀
Sarah Marsh
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