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Given the complexity of SMSF loans, securing the right advice is essential to navigating the process smoothly and ensuring compliance with all regulatory requirements. Engaging professionals like financial advisors, mortgage brokers, tax accountants, and legal experts can provide you with the tailored guidance you need.
At AusFirst Lending Group, our experienced mortgage brokers are here to help you understand your options, optimise your loan strategy, and maximise the benefits of your SMSF investment. With the guidance of trusted professionals, you can make choices that best suit your retirement ambitions.
An SMSF loan is a financial arrangement that enables your Self-Managed Super Fund (SMSF) to borrow money for the purpose of purchasing an investment property, with the ultimate goal of providing retirement benefits to its members. These loans can be used to acquire both residential and commercial properties, potentially generating additional income and capital growth within your superannuation fund.
SMSF loans operate under a structure known as a Limited Recourse Borrowing Arrangement (LRBA). This means that the lender’s claim is limited to the property purchased with the borrowed funds, thereby protecting the other assets within your SMSF.
While SMSF loans offer significant growth opportunities, they also come with specific eligibility criteria and regulatory requirements. Therefore, seeking professional financial and legal advice before proceeding is crucial.
Read MoreAt AusFirst Lending Group, we don’t just help you secure an SMSF loan — we work with you to craft a personalised strategy that aligns with your retirement goals. Our experts understand that every SMSF is unique, so we take the time to assess your specific situation and investment objectives.
We offer more than just lending solutions — we build long-term partnerships to support your evolving financial goals. Whether you’re expanding your SMSF portfolio or looking to optimise existing investments, our team is here to help. Reach out to AusFirst Lending Group today and experience the difference a committed financial partner can make.
At AusFirst Lending Group, you are our top priority. We are committed to providing comprehensive support from start to finish — not just due to legal obligations, but because we truly care about your success.
We focus on your unique objectives, leveraging deep industry knowledge to match you with loan solutions tailored to your needs. We handle documentation, assess borrowing capacity, and negotiate terms to help you get the best outcome.
Unlike some financial services that charge hidden fees, our expert advice comes at no direct cost to you. We’re paid by the lenders, allowing you to focus on choosing the best loan option without the added financial pressure. Full transparency is a cornerstone of our approach.
With access to a broad panel of lenders, we don’t rely on a one-size-fits-all approach. Instead, we evaluate a diverse range of loan products to ensure your financing solution matches your exact needs.
Our knowledge of the Brisbane property market is unmatched. As local experts, our mortgage brokers in Brisbane offer relevant insights and may even help you secure special rates or perks through our industry network.
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Ausfirst Lending Group is proud to be recognised as a finalist in the 2024 Sunshine Coast Business Awards under the Professional Services category, showcasing our commitment to excellence and dedication to serving the community with integrity and expertise.
We don’t just find you a loan that fits; we aim to get one that exceeds your expectations in terms of rates, options, and service.
We work with over 40 lenders, including big banks and non-bank lenders, giving you unparalleled mortgage choice—you have plenty of options to choose the most suitable home loan for you.
Our team is dedicated to guiding you throughout your homeownership journey, whether it’s securing your first home or an additional investment property. We provide ongoing support, including a 6-month review process to keep your loan competitive.
Every mortgage broker on our team has over 10 years of industry experience, ensuring expert advice every step of the way.
We tailor home loan solutions that prioritise your best interests, not the bank’s.
Our entire process is transparent and easy to understand, making the entire journey hassle-free.
As of August 2024, interest rates for SMSF loans in Australia typically range between 5% and 7%, depending on the lender, the loan amount, and the specific terms of the arrangement. These rates are typically higher than standard residential home loans due to the added complexity and risk associated with SMSF lending. However, by working with a specialised mortgage broker like AusFirst Lending Group, you can explore competitive options and potentially secure more favourable terms tailored to your SMSF investment strategy.
Despite the enticing potential for capital growth and rental earnings, it's essential to understand the implications of a Limited Recourse Borrowing Arrangement (LRBA). This type of borrowing protects other SMSF assets but requires careful planning and management. Potential risks include the impact of underperforming property investments, liquidity issues, and the complexities of regulatory compliance. We're here to help you weigh the pros and cons and decide if this approach suits your retirement goals.
Refinancing your existing SMSF loan can be a strategic move, especially if your financial situation has evolved or market conditions have changed. Lower interest rates, better loan terms, or even a shift in your investment goals could make refinancing beneficial. At AusFirst Lending Group, we can help you evaluate whether refinancing is the right step to enhance your SMSF's performance and align with your broader financial strategy.
Since the four major banks (ANZ, Commonwealth Bank, NAB, and Westpac) withdrew from the SMSF lending market, securing a loan might seem more challenging. However, there are still viable alternatives available, including non-bank lenders and smaller institutions that specialise in SMSF loans. These lenders may offer competitive terms but often have stricter requirements and higher interest rates. We can connect you with these lenders and help you navigate the application process, so you can still achieve your investment goals even without the big four.
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Business Information
Ausfirst Lending Group Australian Credit Licence Number: 387366 | ABN: 68 845 798 048
Finsurance Pty Ltd t/a Ausfirst Lending Group credit representative number 414391. Finsurance Pty Ltd is a credit representative of Oshawa Pty Ltd Australian Credit Licence number 387366. AFCA 42404
Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.
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