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better SMSF loans

SMSF  Loans

Not all SMSF loans are the same. Some lenders will lend to higher LVR's than others, and rates vary widely between different lenders. Some lenders don't do SMSF loans at all. Apart from significant differences in rates, there are also differences in  lending criteria such as minimum net asset requirements in the fund post settlement, and also some lenders will not lend on off the plan or newly built  properties. Some lenders will also allow you to use an external property to the fund as additional security where a higher LVR is needed.

To get started - simply submit your details to automatically receive a summary list of some of the best lenders for SMSF loans including interest rates, application fees,  and minimum net asset requrrements in the fund.  We then follow up with a phone call to answer any questions and provide alternatives. You can then request a more detailed quote based on your specific  financial circumstances.

Interest rate forecasts To help decide whether it is a good time to fix your loan or not - we send out a summary of interest rate forecasts by the main banks (ANZ,CBA,NAB and WBC) each quarter. To look at the latest forecasts click here.

 For further details phone Jonathan Joyce on 0414386772

✓  Specialising in SMSF finance
✓  Loans from $100k to $10M
✓  LVR up to 80%
✓  Interest only or P&I
✓  Security external to fund OK
✓  Blend of bank and related party loans OK
✓  Loans with no ongoing fees
✓  Variable rates from 4.59%



One area which is often overlooked with SMSF loans
is using an external property to the fund and doing a related party loan - ie onlending the loan on an external property to the fund. OK - why do this? There are two reasons - firstly the rate - if you are able to lend at a lower rate - ie say 4% rather than 5.5% then the fund and your super will be better off. The other reason is that banks have relatively high fees for vetting your trust deeds. If the fund was establihed in the last 5 years it is unlikely that it is non compliant with respect to borrowing money - and so this saving also means more money remains in the fund.


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Lenders we deal with

ANZ Bank

AMP Bank

Bankwest

BOQ

CBA

citibank

Heritage building society


IMB

ING commercial finance



macquarie bank


Members equity


NAB


PN bank


Parramount mortgages


St george bank


Suncorp bank


Westpac Bank

Plus many more