SMSF Loans

We'll help you purchase property with an SMSF loan

Secure your financial future through property investment with Self-Managed Super Fund (SMSF) Loans. As part of Solara Financial, we specialise in providing SMSF Loan options tailored to your specific needs. Whether it's for building an investment portfolio or purchasing non-specialised commercial property, we can help you make informed decisions across Australia. Our skilled team guides you seamlessly through the process, ensuring that buying a property with your super is within reach.

SMSF Loans offer unique opportunities to grow your investment property portfolio. First, understanding your borrowing capacity is essential. This involves assessing your financial situation, gathering bank statements, and calculating SMSF Loan repayments. Factors such as loan to value ratio (LVR), credit history, and previous rental payments all play delicate roles in the application process. Once eligibility is established, we assist in determining the appropriate loan amount based on current property market conditions and identify whether a fixed interest rate or variable interest rate is most beneficial.

Next, the paperwork is crucial but need not be daunting. A complete SMSF Loan application involves providing detailed documents such as the certified copy of the SMSF Trust Deed, a certified copy of the Custodian Trust Deed, and the financial statements. You will also need to include SMSF Bank statements and a copy of contract of sale. Our streamlined application process ensures everything is in place, increasing the likelihood of securing a competitive SMSF Loan Interest Rate. Choosing the right interest rate option can offer significant interest rate discounts, making it more affordable to manage an SMSF Mortgage while maximising potential capital gains from your property investment.

Lastly, knowing the restrictions that apply when using super to buy an investment property is essential. The SMSF structure must comply with regulations, which might include stamp duty considerations and other legal obligations. Investment properties purchased through superannuation are often restricted in terms of rental income use and require monitoring to ensure compliance with the property market conditions. It's also worth knowing that purchasing commercial property within an SMSF can offer different opportunities, essential for diverse investment strategies. Our experts provide detailed insights, ensuring you're well-informed at all stages of applying for an SMSF loan.

As property investment through super continues to rise, leveraging SMSF Loans offers a strategic path to enhance your financial portfolio. The investment decisions you make today can set the path for a prosperous tomorrow. With Solara Financial, take the next steps with confidence. Our team is ready to assist with any questions or to set up an initial consultation. Reach out to explore how you can make the most of your super in property investment.

Ready to chat to one of our team?

Book Appointment

Getting a Construction Loan

Initial Consult

Have a chat with one of our qualified Brokers who will understand your situation and talk you through the next steps.

Fact Find

We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a Construction Loan.

Approval

We'll work to find an appropriate lender for your loan, taking into account your situation and loan type. We'll then handle the paperwork to get your Construction Loan approved.

Book Appointment

Our Latest Reviews

James Moore

Ange is a weapon. I'll admit I'm not the easiest client to deal with, but he delivers every single time on my personal loan portfolio. He's also consistently got results for my clients too — which is exactly why he's on our panel of brokers. James Moore Founder of Actium Group

Caitlin Flower

My husband and I can't recommend Angelo highly enough. We were up against a tight timeline to get pre-approval sorted so we could move on a property, and he dropped everything to make it happen. Angelo is incredibly responsive, clear about what we needed, and made what is usually a very stressful process feel completely manageable. If you're after a broker who actually goes above and beyond, look no further! - Caitlin and Sean

Cristina D'Ambrosio

Roberto Vago

I’m very happy with the work Angelo did for me in securing a loan for a commercial property. Angelo is competent, present and available with the clients, and attentive to details. I highly recommend his service

Tarryn

Right from the very beginning, our experience with Jordan was exceptional. He took the time to genuinely listen to our goals and explored every option available to ensure we found the best solution for our circumstances. Even after helping us secure our home, Jordan’s support hasn’t stopped. He continues to provide valuable guidance, checks in regularly, and helps us stay on track towards achieving our next property purchase. It’s clear that he genuinely cares about his clients’ long term success, not just settling a loan. We couldn’t recommend Jordan highly enough to anyone looking for a knowledgeable, supportive, and proactive mortgage broker.

Thomas Hamlin

On behalf of myself and my wife Angelo was the perfect fit for our newest adventure in moving into the world of becoming first home buyers ! A milestone that will shape us moving forward! We cannot recommend Angelo enough from beginning to end Angelo was the best choice and it was an instant fit. It was smooth sailing from the start to end you will not be disappointed in the choice to have him in your corner.

We work with Australia's biggest lenders

Frequently Asked Questions

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australasia. They are extremely professional and provide exceptional service across a range of lending options.