SMSF Loans - Finance & Mortgage Broker

SMSF Loans

Leverage your SMSF to purchase property in your super with an SMSF Loan

5.0

from 11 Reviews

Fund your SMSF property purchase with an SMSF Loan

At Clubhouse Finance, we specialise in helping you access SMSF Loan options from banks and lenders across Australia. Our services proudly cater to clients in Perth, WA, and extend Australia-wide. SMSF Loans provide a unique opportunity for those looking to leverage their Self-Managed Super Fund to buy an investment property, whether residential or commercial. These loans are tailored for investment purposes and can be an excellent way to expand your investment property portfolio. However, understanding SMSF Loans is crucial as restrictions apply and an informed approach can lead to rewarding financial outcomes.

When considering SMSF Loan options, several factors come into play. A significant aspect is the interest rate, which can greatly affect your repayments over time. You’ll typically encounter both variable interest rate and fixed interest rate options, each offering different advantages. By evaluating the property market and your financial situation, you can gauge which type of interest rate aligns with your goals. Interest rate discounts might also be available, further shaping your borrowing capacity and the feasibility of your loan. Additionally, calculating SMSF Loan repayments is an essential step, ensuring costs align with expected rental payments and capital gains from your investment property.

Applying for a SMSF Loan involves a detailed application process where your credit history is assessed, as well as other financial aspects, to determine your loan amount and loan to value ratio (LVR). You’ll need to provide a certified copy of the SMSF Trust Deed, financial statements, and SMSF Bank statements. Additionally, a certified copy of the Custodian Trust Deed and a copy of the contract of sale will be required if purchasing property. These documents help demonstrate your borrowing capacity and solidify your application to purchase non-specialised commercial property or residential property.

Understanding the potential tax implications such as stamp duty and capital gains is crucial too. Unlike personal loans, SMSF Loans have specific regulations where buying a property involves different tax considerations. With our expertise, we can help you explore the options to lessen tax obligations and take advantage of potential savings when using super to buy an investment property. The streamlined application process at Clubhouse Finance is designed to make applying for a SMSF Loan as straightforward as possible, so you can focus on making sound investment decisions with the guidance you need.

In the dynamic environment of real estate investment, having the proper guidance to secure an SMSF Loan can make a substantial difference in how effectively you build your portfolio. Let Clubhouse Finance assist you with a tailored approach to investing through SMSF Loans. Our expert advisers are ready to help you with a SMSF Loan application and ensure you have access to a range of SMSF Loan options that best suit your needs. Take the first step today and contact us to discuss your investment ambitions and schedule a consultation.

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Our Recent Reviews

Ed helped me with securing my first home and he couldn’t have been anymore helpful even on the weeks we had no updates he would still reach out and let me know how everything was going. Being my first home I had very little knowledge on buying an house and Ed broke everything down and made everything so simple to understand and had an answer for every question I had. I would HIGHLY recommend Ed to anyone and everyone I know and I can’t thank him enough for the hard work and all the help he put in for me.

Tyler Eversen

We have been dealing with Ed now for over 6 years and during that time have been assisted by Ed through the purchase, refinancing and sale of numerous residential and commercial properties. Ed is knowledgeable, approachable, reliable and communicative which makes the whole process of obtaining finance for your purchase an enjoyable experience. We have enjoyed the prompt and detailed communication through all stages of each transaction and the personal nature of the service. We would (and have) recommended Ed to anyone seeking to build a long term relationship with a broker.

Mitchell Jones

Securing my first home loan as an ex-pat purchasing internationally (here in the UK) was no small feat, but Ed made the process seamless. He went above and beyond what I ever expected from my mortgage broker, handling every hurdle—many of my own making—with speed, adaptability and professionalism. The time zone difference could have been a major challenge, but he was always available, working outside of regular hours to make sure everything stayed on track. Without his dedication and expertise, I’m not sure I would have made it through the process. But here we are - home secured and looking to use Ed at the next possible chance.

James Chaffey

We engaged Ed to help us secure our first home & he was first class in the service he provided from start to finish. This was our first time purchasing a home & as such Ed went over & above to ensure we were across all necessary details and that we felt secure in the decisions we were making. This lead to a seamless process & I would certainly recommend Ed for anyone seeking a similar level of service & professionalism.

Kyle Petrie

Frequently Asked Questions

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.

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.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

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.

Are your mortgage brokers licensed and accredited?

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

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.

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Perth, WA

0410 171 925

Clubhouse Australia Pty Ltd ABN: 15 633 208 812. Credit Representative #516238 is authorised under Australian Credit License #389328

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.