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SMSF Loans

Use your SMSF to borrow and invest in

the property market.

You can use your retirement savings as equity to purchase residential or commercial property with our Self-Managed Super Fund Fully Drawn Loan. Our SMSF loan is an excellent option for borrowers looking to add a property to their superannuation portfolio. You can also use the loan to refinance your existing residential or commercial property in your SMSF.

As a mortgage broker firm, we offer simple low-fee products with both fixed and variable rates. Our SMSF loans are a perfect solution to refinance for a competitive offer or to purchase a new investment property within an SMSF.

Why Borrow Through

Your SMSF

Potential Tax Advantages

Diversification of Your Portfolio

Direct Control of Your Super Investments

Protection of Your Assets

What Types and Structure of SMSF Loans Are

Offered by Key Lending With U 4ever?

We offer two types of SMSF loans:

  • Residential Property SMSF Loans
  • Commercial Property SMSF Loans

Both SMSF loan types have fees, interest rates and LVR (loan-to-value ratios) that are catered toward your financial capacity. At Key Lending With U 4ever, the basic structure of your SMSF loan is rigid. However, your repayment schedule, income source and refinancing options may differ depending on your financial situation. You can speak with our loan specialist team to learn more about the types and structures of SMSF loans offered by Key Lending With U 4ever.

 

What Are The Benefits Of SMSF Loans?
  • Unlimited Additional Repayments
    You can make unlimited additional repayments. This implies you can pay off your SMSF Loan faster than the agreed term and save on interest.
  • Up To 80% Loan-to-Value Ratio
    We assist you in purchasing property with a 20% deposit. No Lenders Mortgage Insurance applies.
  • Simple Application Process
    Our SMSF loan products have a very simplified application process. We have easy-to-understand policies and procedures and require minimal support documents.
  • Low-Interest Rates and Fast Approvals
    We have a quick approval process and offer low-interest rates on our SMSF loans.
  • Online Access
    Access your account anywhere and anytime, either online or by phone. Borrowers can easily manage everything online, including loan transactions and statements.
  • Refinancing Available
    We offer an SMSF refinancing facility to let you switch from your current lender to avail of our great low rates.
  • Dedicated Personal Service
    As a mortgage broker firm, we provide you with a personal consultant who works with you throughout your SMSF loan journey.

What Are The Eligibility and Requirements

For SMSF Loan?
The eligibility criterion for an SMSF loan is fairly explicit. You must either:
  • Have an existing SMSF structure in place.
  • Be in the process of creating an SMSF structure.
To be eligible for an SMSF loan, you must be looking to invest in a property, be it commercial or residential. Other requirements, like liquidity requirements, may also apply. Getting an SMSF loan from Key Lending With U 4ever is very easy. Get in touch with our specialist to find out more.
How Do SMSF Loans Work?

SMSF trustees can borrow money to purchase an investment property they may not have the financial capacity to buy immediately through their Self-Managed Superannuation Fund (SMSF). Any residential or commercial property purchased is held in a separate trust until the loan is repaid. After repayment, SMSF takes ownership of the certificate.

During the life of the loan, SMSF’s trustee can have a beneficial interest in the investment property. This means that the income generated will be reinvested in SMSF to repay the SMSF loan. The income you earn can also be used to increase the value of your loan.

How can I apply For an SMSF Loan?
To apply for an SMSF loan, you should be in the process of creating an SMSF or need to have an existing self-managed super fund structure. There are some strict requirements that you must meet to avail of an SMSF loan under the Australian superannuation law. A separate trust often needs to be formed to hold the property. There are also some documents required to apply for an SMSF loan, including:
  • Certified copy of Custodian Trust Deed
  • Certified copy of the SMSF Trust Deed
  • A full copy of the contract of sale
  • Financial information to ensure serviceability
Refinancing With SMSF Loans

Refinancing is a profitable option for those who opted to take an SMSF loan when interest rates were higher or if your current financial condition has changed. Our mortgage broker team will advise you on the best refinancing options as per your circumstances.

Talk To One of Our SMSF Experts

You can contact us for any guidance on SMSF loans, to make further inquiries on SMSF loans, or to book an appointment with an SMSF loan expert. Our mortgage broker team would readily help you navigate the complex rules and regulations surrounding SMSF loans. As a mortgage broker, we assist you in finding the right loan for you when investing in property through an SMSF.