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Acquiring a Self-managed Super Fund Loan

When seeking advice regarding a loan to buy an investment property, you need the person providing the information to be experienced and reliable. CLN Home Loans has earned its reputation as a trustworthy mortgage broker because we are dedicated to supporting our clients to reach their target outcomes. Our highly qualified team can provide extensive guidance regarding loans and refinancing and help you to make the most appropriate decisions for your future.

As a boutique mortgage broker based in Melbourne, we offer flexible and efficient service that is tailored to your specific needs and goals. We are proud to offer personal support, which large corporate firms are often unable to provide. If you are looking for assistance with financial planning such as a self-managed super fund (SMSF) loan, we can help.

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What Are SMSF Loans?

When seeking advice regarding a loan to buy an investment property, you need the person providing the information to be experienced and reliable. CLN Home Loans has earned its reputation as a trustworthy mortgage broker because we are dedicated to supporting our clients to reach their target outcomes. Our highly qualified team can provide extensive guidance regarding loans and refinancing and help you to make the most appropriate decisions for your future.

As a boutique mortgage broker based in Melbourne, we offer flexible and efficient service that is tailored to your specific needs and goals. We are proud to offer personal support, which large corporate firms are often unable to provide. If you are looking for assistance with financial planning such as a self-managed super fund (SMSF) loan, we can help.

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How CLN Home Loans Can Help With Your SMSF Loan

SMSF products were once more widely available than they are now. Recent industry changes have resulted in some mainstream lenders removing these products from the market, which can affect how much you pay. CLN Home Loans has a portfolio consisting of more than 30 lenders, enabling us to find you a competitive SMSF loan appropriate for your requirements and goals.

An SMSF loan usually has a maximum loan-to-value ratio of 75%. Regardless of whether you are aiming to establish a self-managed super fund or if you have an existing super fund and would like to buy or refinance a property, we can assist you to get the most out of your SMSF loan.

The Benefits of a Self-managed Super Fund Loan
SMSF loans may offer a range of benefits. Anyone can establish a SMSF loan, though they are more commonly used by people with higher incomes who have more money to roll over into the SMSF fund due to the larger contributions they may make. SMSF loans may be a useful move for some people when planning for retirement.
Investors
If you are an investor, this type of loan may provide you with a way to diversify your superannuation portfolio with property assets.
Business Owners
SMSF loans can be used to purchase business premises. This may help you grow your company. Gaining a loan through a self-managed superannuation fund can also enable loaners to receive tax benefits on the interest made. If you are considering setting up a SMSF loan, it can be prudent for most people to engage an accountant who deals with SMSF loans frequently due to the complex nature of the process involved. We can help maximise the benefits of using a SMSF loan and ensure it is set up and managed correctly to adhere to laws and optimise returns.
Why are SMSF loans more expensive?
There can be a higher risk for a bank with SMSF loans, so you generally pay more than some other types of loans. Due to the non-recourse setup of the LRBA structure, banks add a premium to the required SMSF interest. When interest rates rise, you should receive the increase in full from the bank as a SMSF loan holder.
At CLN Home Loans, we understand how daunting and tedious buying your first home can be. From rising property prices and a wealth of new concepts to get your head around to the fierce competition posed by established investors and other first-home buyers in Melbourne – it’s no wonder so many people feel overwhelmed.

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Need Any Help? Or Looking For an Agent

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