Self Managed Super Fund Loans
Helping residents in Marrickville, the Inner West of Sydney and Canterbury-Bankstown access a Self Managed Super Fund (SMSF) Loan
Rated 5 from 58 Reviews
Helping residents in Marrickville, the Inner West of Sydney and Canterbury-Bankstown access a Self Managed Super Fund (SMSF) Loan
Rated 5 from 58 Reviews
Are you a property investor in Marrickville, the Inner West of Sydney, or Canterbury-Bankstown, looking to supercharge your superannuation investment strategy? Raiti Finance is here to help you navigate the world of Self Managed Super Fund (SMSF) Loans with warmth and expertise.
Picture this: leveraging your self-managed super fund to secure an investment property. It's not just a dream; it's a reality for many Australians who are taking control of their retirement planning. SMSF loans, also known as Limited Recourse Borrowing Arrangements (LRBAs), are the key to unlocking this potential.
So, how does it work? With an SMSF loan, trustees can borrow funds within their SMSF to purchase property, even if they don't have the entire amount upfront. The property's ownership is initially held in a custodian trust until the loan is repaid, at which point it transfers to the SMSF. Throughout this journey, SMSF members enjoy beneficial ownership of the property, with any income generated reinvested to bolster the fund or repay the loan.
The borrowing capacity with an SMSF loan hinges on your financial circumstances, with minimum SMSF balance requirements post-purchase varying based on individual situations. However, it's essential to note that SMSF loans come with additional complexities compared to traditional mortgages. Australian superannuation laws impose strict requirements, often necessitating the establishment of a separate trust to hold the property. But fear not – our team at Raiti Finance, as proud members of the Mortgage and Finance Association of Australia, are here to guide you every step of the way.
Already have an SMSF loan but feeling like it's time for a financial health check? You're not alone. Many borrowers find themselves in situations where refinancing could offer better terms suited to their evolving needs. Specialised lenders, like us, offer the flexibility and expertise to accommodate SMSF loan refinancing, providing tailored solutions beyond the reach of traditional banks.
If you're in the Inner West of Sydney or the Canterbury-Bankstown area, including suburbs like Marrickville, Dulwich Hill, and Newtown, Raiti Finance is your local partner for SMSF loans. Whether you're a seasoned investor or new to the world of SMSFs, our team is dedicated to simplifying the process and helping you make informed decisions for your financial future.
Ready to explore the possibilities of SMSF loans? Get in touch with Raiti Finance today, and let's embark on this journey together.
GN
Gregory Nikolopoulos
I've been use Luisa for my home loan and her services was absolutely perfect thank you very much for your help Luisa I appreciate it I will recommend her services around of my friends and relatives.
DT
Dan Takotavuki
After going through so many Brokers, I finally got intouch with Luisa reading through some of the testimonials about their experience with Raiti Finance .I highly recommend Luisa Raiti. Her professionalism is exceptional. So knowledgeable and very helpful throughout the whole process. Was a very smooth transition into the new bank for Refinance. Thank you so much Luisa
dS
dan Safetly
Luisa provided exceptional service and professionalism throughout the entire process. She took the time to understand my needs, offered tailored advice, and went above and beyond to deliver outstanding results. Her communication was always prompt, transparent, and friendly, making what could have been a stressful experience completely seamless. I highly recommend Luisa to anyone looking for reliable and efficient financial support. Five stars well deserved!
Your borrowing capacity is dependent on a number of factors including the current interest rates, your income, your expenses, your existing level of debt and your credit rating. This will also vary from lender to lender. Reach out and we can properly assess your maximum borrowing capacity by analysing your financial situation.
We offer access to a wide range of products from various banks and lenders across Australia, so we can find the best fit for you. Our team will guide you through the application process, considering factors like loan amount, interest rate, fees, and repayment terms, all to ensure you make an informed financial decision.
Stamp duty is a significant added cost when buying property. Our team will help you understand how to manage these costs effectively, also unearthing any potential savings you can make with first home buyer grants or stamp duty waivers (if applicable.)
Yes, we certainly can! We can help with car loans, personal loans, self-managed superannuation fund (SMSF) loans, commercial loans, asset and equipment finance, refinancing and debt consolidation.
A good credit history is essential in securing better interest rates and higher borrowing capacity. However, if your credit history isn't perfect, we'll work with you to find alternative options that suit your financial situation. We consider factors like loan amount, lenders mortgage insurance (LMI), and loan-to-value ratio (LVR) when tailoring solutions for you.
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.
At Raiti Finance we are accredited with over 30 of Australia’s leading lenders. These include the major banks as well as 2nd and 3rd tier lenders who can accommodate more specialised lending needs.
There are three main reasons to use a mortgage broker:
- We have access to multiple lenders and loan products.
- We search for the best loan option to suit your individual needs.
- We do all the leg work to make the process fast and simple.
Raiti Finance is based in Marrickville in Sydney’s Inner West. However, we absolutely assist clients Australia-wide. The loan process can be completed remotely via phone, email and video call. If you live in Sydney, in the Inner West or Canterbury Bankstown areas, we are more than happy to meet you in person if you prefer.
A fixed-rate home loan offers predictable repayments with a set interest rate for a specified period (e.g., 2-5 years), while a variable-rate home loan has an adjustable interest rate that may change over time. We can help you choose the best option based on your financial situation and goals.
Raiti Finance ABN: 59 664 526 925, Raiti Finance Pty Ltd ABN: 59 664 526 925 is an authorised credit representative (Credit Representative Number 547924) of QED Credit Services PTY LTD (Australian Credit Licence Number 387856) .
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. Names & Locations of users have been changed to protect their privacy and are illustrative only.
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