Purchasing real estate through superannuation can be an intelligent retirement plan — but at the same time, it’s complicated. Cash Capital, an SMSF mortgage broker Victoria, guides the trustee seamlessly through the entire process of adhering to the regulations, comparing SMSF loans, and getting the right finance. We even go a step further than that, going down to plain English and making lending options available for self-managed super funds comprehensible. Besides, we also support you in every single procedural stage, right from structuring the loan to settlement.
An SMSF mortgage broker is an expert in mortgages that are particularly meant for Self-Managed Super Funds (SMSFs). Our basic operations are:
Engaging an SMSF mortgage broker Victoria in the long run comes out to be time-efficient and risk-free, especially if you work with a certified broker well-versed in both SMSF law and lender requirements.
Cash Capital offers the combination of experience and personal service together with a wide choice of lenders when it comes to lending for SMSF:
Specialized Knowledge — SMSF lending rules, and how lenders interpret trustee documentation and cash flow forecasting, are at the core of our expertise.
The Lender’s Access is Vast — We do not only have a handful of lenders on our radar, but also all the others across the market, and hence, you get the best prices for your SMSF loan products.
Solutions Designed for You — Regardless of the fact whether you are buying residential or commercial property through your SMSF, we will fit the loan structure to your strategy.
Team Effort – We keep your SMSF investment legally compliant and well-coordinated with retirement goals by collaborating with your bookkeeper, financial advisor and property lawyer.
Effective Communication – No technical terms, only step-by-step support and simple language interpretations.
No. The rules of SMSF do not permit trustees or related parties to reside in or occupy the residential property that is owned by the fund. The property of the SMSF must be invested and not be personally used by the trustees or related parties.
An LRBA is an arrangement that enables a super fund to borrow money for the purchase of investments. The lender’s recourse is limited to the property that is held in the name of the trust; thus, the assets of the super fund remain unencumbered.
The minimum deposit requirement is different from lender to lender and from property type to property type. In general, lenders are looking for larger deposits for SMSF loans than for conventional mortgages — typically 20-30% or even more, depending on the case.
Yes. An independent appraisal is usually a prerequisite for lenders to ascertain the property’s worth prior to an SMSF loan getting approved.
Yes. It is required that a bank account in the name of the fund be opened for contributions, income and loan repayments. Some loan products necessitate particular arrangements for repayments and cash flow.
SMSFs can borrow for real estate through a Limited Recourse Borrowing Arrangement (LRBA). Cash Capital is here to assist you in obtaining:
Residential Property Loans for SMSFs – aimed at purchasing houses, apartments, or properties for leasing to unrelated tenants.
Commercial Property Loans for SMSFs – to buy retail, office, or industrial spaces, usually occupied by business-owning trustees.
Refinance & Restructure – merge current SMSF debts or modify the structure to enjoy favourable rates and terms.
Development Finance (specialist) – a few financiers have exclusive products for dealing with property development in an SMSF (higher complexity, involving us to evaluate feasibility).
The process of SMSF loans is made easy by Cash Capital, and you will be held every step of the way from consultation to settlement by clear communication, compliance support, and trust. Here is how our efficient procedure works:
First Conversation – We consider your aspirations, SMSF framework, and the paperwork your accountant already possesses.
Pre-assessment – We analyse your borrowing capability, probable down payment and the lender’s willingness to take your
Loan Selection — Compare lenders, rates, and loan features that are in line with SMSF rules and your strategy.
Application Assistance — We get the paperwork ready, explain the trustee documents required, and submit the application.
Coordination — We liaise with your accountant, financial planner, and conveyancer to check compliance.
Settlement Assistance — We are in the loop until the settlement and are clarifying the ongoing loan requirements.
A mortgage for an SMSF is quite difficult to get as lending institutions are usually very rigorous with the applications from self-managed super funds. We have compiled below a few professionals who would help SMSFs get the loan they want:
Maintain Clean Trustee Records— Keeping minutes current and having a clear investment strategy helps the lenders to approve.
Construct Deposit and Cash Buffer – Lenders prefer to be assured that their money is reserved to cater for interest, repairs, and even vacancy.
Obtain Finance Advice at the Earliest— Getting a pre-assessment will save time on properties that won’t fit your SMSF.
Partner with Your Accountant— Tax and compliance alignments must be in place before applying.
Look at Loan Features— Offset accounts, split loans, and repayment options—to safeguard cash flow.
Cash Capital is here to guide you through these aspects so that your application is ready for approval.
If you are a trustee of an SMSF in Victoria and are looking for property finance, do not hesitate to talk to Cash Capital, your trusted SMSF mortgage broker Victoria. We will begin the process with a brief and non-binding conversation with you to clarify your objectives and suggest practical steps. First, make use of our borrowing calculators to get an idea of your capacity, and then contact us to schedule a customised review.
Would you like a fast SMSF loan pre-assessment? Reach out to Cash Capital now—We will help you understand what is possible for your self-managed super fund.
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.
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Calculate how much you could save on your home loan by making extra repayments every month.
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