How Will My Borrowing Capacity Be Assessed?
Determining how much you can borrow depends on showing that your Self-Managed Superannuation Fund (SMSF) has sufficient contributions to support the loan.
Here’s what lenders look at:
- Your or your employer’s superannuation contributions to the SMSF.
- The proposed rental income from the investment property.
Good news: You don’t need an established SMSF when applying. Some lenders also allow SMSF members or beneficiaries to use their personal income as support, provided a personal guarantee is given..
Can I Get Reduced Interest Rates?
Yes, here’s how:
- Lower LVRs: Borrowing less can unlock better interest rates.
- Offset Accounts: Some lenders offer offset features on SMSF loans, helping you save on interest.
- Tailored Solutions: Working with experts gives you access to competitive deals and lenders specialising in SMSF loans.
In this specialised market, lender options are more limited than standard loans. However, with the right guidance, you can secure a great deal—something you might miss if you only talk to your current bank.
Don’t settle for less.
Talk To An SMSF Loan Expert!When Is An SMSF Allowed To Borrow Money?
SMSFs can borrow money under specific conditions, including:
- The asset must be something the SMSF can legally acquire (e.g., property).
- The SMSF must use a security custodian to hold the asset in trust.
- The SMSF gains a beneficial interest in the asset from the start.
- The SMSF can acquire legal title to the asset after paying off the loan.
- The lender has limited recourse to the purchased asset, meaning they can’t claim other SMSF assets in case of default.
- Each borrowing arrangement must be for a single acquirable asset (e.g., one title or subdivision).
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