Smsf Lending

Welcome to Smart Private Wealth • Services

The SMSF Lending Specialists.

Authorised Credit Representative of Outsource Financial Pty Ltd 384324. Shannon Smit Credit Representative No 533133 is a Credit Representative of SMART Business Solutions Mortgage & Lending ACR 527754 Pty Ltd ACN 611 647 922

The process of purchasing a property through an SMSF is similar to a regular property with a few key exceptions, and each lender will have their own restrictions.

The main difference is that an SMSF mortgage is more difficult to process, with fines of over $200,000 applying to trustees if their arrangements aren't properly structured. For this reason, it's a good idea to seek advice from an experienced mortgage broker in association with a financial adviser who can ensure you obtain the right loan with the right structure for your overall goals and needs.

In Australia, borrowers have access to SMSF loans to purchase investment properties via a self-managed super fund (SMSF). This is a mortgage controlled by the members of a super fund, which is used to buy an investment property. The rental income and capital growth generated by the investment property form part of your super fund's retirement savings.

You can borrow money through your super fund to cover an investment purchase, but you need a special SMSF loan to do it. And it's getting increasingly hard to find lender who offers these products.

Is a SMSF loan the same as a normal home loan?

The short answer is 'No.' A SMSF loan is a specialised loan that is available only through specific lenders. Most major banks do not offer SMSF loans. We advise you engage a skilled mortgage broker who will also collaborates with your financial adviser to ensure you're structured correctly.

Our team at Smart Business Solutions Mortgage & Lending are SMSF accredited and we offer a varied lending panel to ensure we can source the right loan for your structure.

Restrictions on a SMSF property

There are some restrictions when it comes to any property bought by an SMSF, namely that you can't construct a new home, nor can you live in the home at any stage until you're in the pension phase.

Note that if the purchase is for your business, this is acceptable. While you can't sell a residential property to your SMSF if you or someone close to you owns it, you can do it with a commercial property.

Renovations and repairs are also a complex area in regards to SMSF properties. You can renovate and repair your property, although this comes with conditions regarding how you finance these activities. Regular maintenance on a property such as fixing leaking taps and other general running costs come with no legal problems.

Who offers SMSF loans?

Most lenders have pulled out of the SMSF home loan market due to the potential risks associated with these products for lenders. AMP, Macquarie Bank, St.George and the Big Four banks all previously offered these types of loans, and have all exited the SMSF loan market.

Our lender panel includes Liberty Financial, First Mac, Mortgage House, ThinkTank, Granite Loans, LaTrobe Financial and Better Mortgage Management.

Can I source a SMSF loan myself?

It's important to consider that borrowing through your SMSF to invest in property can be a complex strategy. It's essential to engage a qualified financial adviser, ideally one who is skilled in SMSF to ensure you can access a loan with the correct the structure and loan features that you need for your investment.
Shannon Smit is a highly accredited and skilled award-winning SMSF Adviser with experience and credentials unmatched. She has also been-there, done that with her own commercial developments through a SMSF, including the Smart Private Wealth tri-level head office development in Mornington.

Our SMSF Lending Panel

SMSF loans made simple.

Our Smart Private Wealth financial advisers and mortgage brokers are accredited with SMSF lenders, minimising the discord between stakeholders ensuring a more streamlined and strategic approach to your SMSF lending needs.

SPEAK TO A SMSF LENDING EXPERT SPEAK TO A SMSF LENDING EXPERT

What our
clients say

"We wanted to purchase an investment property in our trust. When going direct to the banks, they just didn't seem to want to deal with the complex structure we were after and kept offering to place the loan in our names. Shannon's SMSF and structuring knowledge made it super simple and the Smart Mortgage and lending team handled everything end to end. They even set up sign off with the lender via Zoom, so we didn't need to waste time travelling to and from appointments, something that as time-poor business owners, we greatly appreciated. To have Shannon and the team take all that stress away and just make it happen was wonderful."

Kim Seeley
Director | Ausmade Joinery