Self Managed Super Fund (SMSF) Lending Experts
Looking for a SMSF loan?
Speak to our specialist SMSF lending team.
- Over 60 Well Known Lenders
- Obligation Free Process
- Our Services Do Not Cost You a Cent
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Wisebuy Home Loans are the SMSF lending experts that Australians trust for professional, reliable, and personalised loan advice.
Let’s face it, finding a SMSF Lending Expert can be tricky. From the big lenders with local branches that don’t have a clue what self managed super fund lending is to other brokers that pretend they do. Lucky we can help you today.
Unlock Your Super’s Potential with SMSF Lending
Self-Managed Super Funds (SMSFs) offer Australians a unique way to control their retirement savings and investment strategies. Most Australians retire with less funds required to live a comfortable life. With SMSF lending, you have the opportunity to leverage your super funds to invest in property, a move that can significantly enhance your portfolio’s growth potential.
Whether you’re looking to invest in residential or commercial properties, our expertise guides you through the intricacies of SMSF loans, ensuring your investment is both strategic and compliant.
We are SMSF lending experts that truly understand the ins and out of this type of lending. With a lender panel of over 60 well known lenders, you can rest assured that we will find you a suitable loan to match your requirements.
Residential SMSF Lending
Investing in residential property through your SMSF can be a smart way to grow your superannuation fund. It allows your super fund to borrow money to purchase a residential investment property, which could potentially offer capital growth and rental income. Legislation outlines that the purchase can not be lived in by any of the fund members or related parties and is to be purchased for investment purposes only.
Loans must be structured using a Limited Recourse Borrowing Arrangement (LRBA), which limits the lender’s recourse to the asset purchased in case of default, safeguarding other assets within the SMSF. This framework ensures that SMSF investments align with the primary goal of providing retirement benefits to members.
Commercial SMSF Lending
For those looking to diversify their investment portfolio, commercial SMSF lending offers a pathway to invest in commercial real estate. This includes office buildings, retail shops, or industrial warehouses. Similar to residential lending, commercial SMSF loans enable your super fund to borrow money for property investment, providing a potential source of rental income and capital appreciation.
It is very common for self employed clients to purchase a commercial property under their SMSF and lease it to their self employed company. Given companies are separate entities, you would not be breaking any rules of occupying the premises. You are however required to pay market value rent.
Working with professional, experienced mortgage brokers near you is the easiest and most efficient way to secure the right home loan to meet your needs and circumstances. Even if you don’t meet the narrow selection criteria for mortgage approval that the big banks insist upon, there are many alternate lenders out there.
Some of Our lenders
Work with our team to carefully determine what your requirements are
A mortgage advisor operates as a conduit between loan applicants and lenders – they deal with banks, credit unions, and other lenders to arrange a mortgage or other loan.
OUR BENEFITS
Wisebuy Home Loans
Working with Wisebuy Home Loans is easy, convenient, and we work tirelessly to exceed your expectations.
- Better Services
- Better People
- Better Community
- Better Business
The SMSF Experts Australia Trusts.
At Wisebuy Home Loans, we’re big enough to help and small enough to care.
Unlike some of the large financiers, we won’t give you the run around, lose your details, or screen your calls. We know that home loans aren’t a ‘one-size-fits-all’ solution, which is why we work closely with our clients to understand their unique circumstances and match them to the best possible loan.
Because we are a local team of Newcastle mortgage brokers, we have a deep understanding of the local market and community. Our team is always available to answer any questions, and we’ll work tirelessly to secure the best possible loan for your unique circumstances. We work for you, not the lender which means that we don’t hold any allegiance to the lenders, we simply want to find you the best deal for your unique circumstances.
Our small, dedicated team of mortgage brokers in Newcastle are well-versed in handling different types of loans. From regular home loans to refinancing, investment property loans, and business loans – we make finding the best loan simple.
Our Benefits
The right mortgage broker will:
In most cases, the commission for the services of the mortgage broker is paid by the lender – at no cost to you. Additionally, you rest assured that at Wisebuy Home Loans, our mortgage brokers work for you, not for the financial institution – and we are impartial. Our priority is always to find the best loan product to meet your needs.
We are licensed and we work with a pool of more than sixty lenders, offering hundreds of loan products.
SERVICES THAT WE OFFER
- Home Loan Approvals
- First Home Buyers Loans
- Property Investment Loans
- Personal Loans
- Equity Withdrawal
- SMSF Lending
- Equipment & Asset Finance
- Land Purchase Loans
- Construction Finance Loans
- Debt Consolidation
- Commercial Loans
- Home Loan Refinancing
SMSF Lending FAQs
SMSF lending is a loan structure allowing SMSFs to borrow money for the purpose of purchasing investment properties, under strict regulatory conditions.
Yes, SMSFs can borrow money to purchase both residential and commercial properties, provided the investment complies with the Superannuation Industry (Supervision) Act 1993.
SMSFs can invest in residential or commercial properties, but the property must not be acquired from a related party of the fund and must be held for investment purposes.
While there’s no specific borrowing limit, the loan amount and terms are subject to lender criteria and the fund’s ability to service the loan.v
A Bare Trust is a legal arrangement required for SMSF property loans, where the property is held on behalf of the SMSF until the loan is repaid.
No, SMSF investments must meet the sole purpose test of providing retirement benefits to members, so the property cannot be used by fund members or related parties.
Like any investment, SMSF lending carries risks, including interest rate risks, rental income variability, and the potential for capital loss.
When used wisely, SMSF lending can enhance your retirement strategy by diversifying your investment portfolio and potentially providing higher returns.
Yes, SMSF loans can be refinanced, but it’s important to consider the costs and benefits, including any potential changes in loan terms.
Starting with SMSF lending involves setting up an SMSF, formulating an investment strategy, and consulting with SMSF lending experts to ensure compliance and strategic investment choices.
