SMSF Loans

Empower Your Retirement with SMSF Loans

At Mortgage Achievers, we are committed to helping you take control of your retirement savings with Self-Managed Super Fund (SMSF) loans. Our tailored SMSF loan solutions enable you to invest in property and grow your superannuation.

Using your super to purchase real estate provides access to some of the biggest tax benefits available for property investment. However, it's crucial to have the correct framework to fit the stringent borrowing guidelines set by the ATO and let your investment grow.

Why Choose Our SMSF Loans?

Specialized Expertise: With years of expertise in all phases of the SMSF purchase process, Mortgage Achievers provides precise, informed guidance. We also have access to some of the most competitive loans available.
Competitive Rates: We offer highly competitive interest rates on SMSF loans.
Flexible Loan Structures: Our SMSF loans are designed with flexibility in mind, allowing you to choose from various loan structures and repayment options that best suit your investment strategy.
Streamlined Process: Navigating SMSF regulations can be complex, but our streamlined application process and dedicated support are here to assist you.
Long-Term Benefits: Investing in property through your SMSF can offer significant tax advantages and potential capital growth.

Our SMSF Loan Offerings

SMSF Residential Loans:

Loan to Value Ratio: Can be up to 80%
Interest Rates: Generally range between 2% - 2.5% higher than home loans
Property Types: Can be used to purchase houses, townhouses, and apartments
Costs: Legal and application costs generally range between $1,500 - $3,000
Settlement: We advise a minimum of 60-day settlement for SMSF acquisitions
Servicing is met by using 80% of the rental income plus the members employers guaranteed super contributions and salary sacrifice less the loan repayments at the qualifying rate minus the SMSF running costs.
Most lenders have post settlement liquidity requirements, which means you will need to hold a minimum amount in cash or shares after settlement. A few lenders do not have such requirements.
Personal Guarantee is required by the SMSF trustee(s).

Self managed super funds

For many Australians, super is one of the biggest investments, if not the biggest investment, they will ever have. That’s why most people keep their super money in professionally managed super funds. However, some people want the hands-on control that comes with a self-managed super fund. Of course, with added control comes added responsibility and workload.

Self-managed super funds can be suitable for people with a lot of super and extensive skills in financial and legal matters. You must be prepared to research and track your super investments regularly if you want to manage it yourself. Super is your investment for your retirement, so don’t rush in.

How self managed super works

You can set up your own private super fund and manage it yourself, but only under strict rules regulated by the Australian Taxation Office (ATO). They are sometimes called a ‘self-managed super fund’ (SMSF).
Running your own fund is complex so think carefully before setting one up. If you set up a self-managed super fund you must:

Carry out the role of trustee, which imposes important legal duties on you
Use the money only to provide retirement benefits
Set and follow an investment strategy that ensures the fund is likely to meet your retirement needs
Keep comprehensive records and arrange an annual audit by a qualified auditor

Think carefully about your decision. If you’re considering setting up a self-managed super fund you need to do your research and understand your obligations.

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