Started an SMSF and need to grow the fund? Take an SMSF home loan to invest in properties and add to your retirement savings. Hire a reliable SMSF home loan broker Ashwood to ease the process and quick loan approval. At Cash Capital, we have access to multiple lenders, providing you with suitable lender options easily and providing you with a good deal. Not tension now, just enjoy your present and prepare to enjoy your future.
An SMSF home loan is a borrowing that a self-managed super fund can use to invest in residential or commercial property. Rather than relying on the existing super balance, trustees can take a loan to expand their investment portfolio.
However, these loans are way different from traditional home loans while following strict rules of Australian superannuation law. Lenders can also impose unique conditions. That’s why working with a seasoned SMSF home loan broker Ashwood, is crucial to keep the process simple.
SMSF loans come with various features that are important to understand for every super trustee. Let’s break them out below:
Limited Recourse Borrowing Arrangements (LRBA): Protects your other fund assets by limiting the lender’s claim to only the purchased property.
Strict Eligibility Requirements: Your SMSF must comply with the criteria before even applying for the loan.
Property Restrictions: SMSFs cannot buy any property from a related party, nor can they be used by any member or their relatives.
There are eligibility criteria for Self-managed super fund home loans Ashwood. You can apply for it if:
You can purchase residential or commercial properties, but ensure that they meet compliance needs. The property cannot be used by you or a related party.
Gneerally, SMSFs require a higher deposit than standard home loans. It might be around 20-30% of the total property value.
Like any investment, SMSF property also comes with risk factors. However, with professional help from a reliable broker, issues can be managed easily.
Brokers give you access to multiple lenders, negotiate better terms for you, and guide you throughout the process. This saves you time and enhances the chances of approval.
Timeline may vary depending on the lender’s needs and documentation. On average, approval may take about 4 to 6 weeks.
When you choose us, you get a structured plan to benefit from:
Initial Consultation – We have words with you to understand your goals, funding, and compliance requirements.
Lending Advice – Our specialised SMSF loan broker Ashwood provides suitable recommendations, depending on current lending products and market conditions.
Loan Application Management – From documentation to loan approval, we manage the entire process on your behalf.
Settlement Assistance – We ensure every step is handled carefully to make the property purchase stress-free and smooth.
Post-Settlement Support – Extend our support beyond settlement to provide ongoing SMSF lending guidance in Ashwood.
Generally, people think an SMSF mortgage broker Ashwood charges high fees. But at Cash Capital, we don’t take any amount from you and are paid by lenders (no additional charges from you). Lenders pay us up front and a trail payment, based on the deal.
So don’t worry – contact us freely and start the process to get your SMSF loan approved quickly with us.
Many Australians find SMSFs a flexible way to diversify their investments and enhance retirement savings. With an SMSF loan, you can:
Anyhow, the intricacies of SMSF lending make professional SMSF brokers’ guidance necessary.
To grow a super fund, one needs to invest in assets and mostly choose real estate investments through SMSF loans. Well, instead of making the loan process intricate, hire an SMSF home loans broker Ashwood from Cash Capital. Here, we’ve a trained team, helping you from the first meeting to approval with everything, from SMSF rules, eligibility, and all, without any fees from you. Start your journey now!
Check out our range of financial calculators below. Please contact us for more information and discuss your options tailored to your personal circumstances.
Click here to use online loan calculator to find out how much you can borrow.
Calculate your monthly loan repayments to see how much you need to plan for.
Calculate how much stamp duty you will need to pay on your property purchase.
Calculate how much you could save on your home loan by using an offset account.
Compare different home loans to find the right one for you.
Calculate how much you could save on your home loan by making extra repayments every month.
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