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 31 Reviews

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Fund your property purchase with a Self Managed Super Fund Loan

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.

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jim saw

I would highly recommend Raiti Finance ( Luisa ) for his mortgage brokering services. Informed and professional service, kept me updated through regular comms, worked hard to get me the best deal out there . she also persevered through a …

MG

Mary Georges

I have nothing but amazing things to say about Luisa. She is an exceptional broker, who is extremely knowledgeable, approachable and from my personal experience dedicated to providing the very best results for her …

JC

Jose Clauna

I'm thrilled with the exceptional service from Luisa from Raiti Finance. Luisa ensured I got a great rate and the right product. Luisa's expertise and commitment were evident as she explained each step, making the process smooth and …

Frequently Asked Questions

How much can I borrow?

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.

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.

Can you assist with more than just home loans?

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.

How much does it cost to use a mortgage broker?

We are paid by the lenders so most of our services are completely free of charge. In some circumstances, such as small loans or commercial loans, we may charge a credit assistance fee which will be outlined upfront and provided to you in a written quote before proceeding.

Which lenders do you compare?

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.

Why use a mortgage broker?

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.
  • Ready to get Started?