SMSF Loans

We'll help you purchase property with an SMSF loan

Newstone Finance recognises the exciting opportunities that come with acquiring property within a Self-Managed Super Fund (SMSF). With the expertise of our SMSF Finance & Mortgage Brokers, you can access SMSF Loan options from banks and lenders across Australia, designed to address your unique financial situation. Whether you're interested in investment property or non-specialised commercial property, we offer guidance tailored to your goals. As you consider using super to buy an investment property, understanding factors like interest rates, credit history, and loan amounts will be crucial.

Acquiring an SMSF Loan involves understanding the complexities associated with such a process. Buying a property under an SMSF umbrella means complying with certain restrictions. For example, the property market has specific regulations affecting SMSF Loans, with stamp duty and potential capital gains tax impacting decisions. It's essential to prepare a certified copy of the SMSF Trust Deed alongside a certified copy of the Custodian Trust Deed and other documents like SMSF bank statements and financial statements. An organised approach ensures that you meet the criteria set by lenders, providing confidence in your SMSF Loan application.

The main elements influencing your SMSF Loan include the interest rate, loan to value ratio (LVR), and borrowing capacity. Interest rates may be offered as either a fixed interest rate or a variable interest rate, each with its pros and cons. Interest rate discounts could be available under certain conditions, so it's wise to explore these. LVR defines the maximum amount you can borrow relative to the value of the property, making it an important figure when assessing borrowing capacity. To further smooth the application process, ensure that documents such as bank statements and a copy of the contract of sale are at hand.

Our streamlined application process simplifies applying for an SMSF Loan. Understanding your credit history is vital, as banks and lenders use it to evaluate your creditworthiness. A strong credit profile may help you secure favourable terms and conditions, while any issues in your history might need addressing before proceeding. Calculating SMSF Loan repayments also forms part of assessing your financial responsibility. Rental payments from potential properties could aid repayments, making them a vital component of your strategy. Additionally, realising the impact of current property market trends equips you to make informed choices.

Partner with Newstone Finance to explore SMSF Loan options that align with your ambitions. Our SMSF Finance & Mortgage Brokers are ready to assist in clarifying terms and optimising strategies for property acquisition. Take the first step towards building an investment property portfolio with our tailored solutions, created to suit your individual needs and aspirations. Contact us today to learn how we can support your upcoming ventures in the property market.