SMSF Loans

Leverage your Self-Managed Super Fund (SMSF) to purchase property

Welcome to Derry & Co., your trusted partner in navigating the complex world of Self-Managed Super Fund (SMSF) Loans. Based in Perth, Western Australia, we offer our services to clients both locally and nationwide. Our experienced mortgage brokers specialise in helping you access SMSF Loan options from banks and lenders across Australia. Whether you aim to expand your investment property portfolio or buy a new commercial property, our team is here to guide you through every step of the SMSF Loan application process. 

When considering an SMSF Loan, it's essential to understand how your financial situation can influence the terms you receive. One of the primary aspects to assess is your loan to value ratio (LVR), which significantly impacts your borrowing capacity. Generally, a lower LVR can lead to favourable interest rate discounts, making it essential to evaluate the equity available in your super fund accurately. Additionally, your credit history plays a crucial role not only in determining the loan amount but also in potentially securing competitive SMSF Loan interest rates. Our team at Derry & Co. will help you review and optimise your SMSF bank statements and financial statements to ensure you present the strongest case possible.

The application process for an SMSF Loan requires careful attention to detail, as restrictions apply on what can be purchased using this type of funding. When buying a property, whether residential for investment purposes or non-specialised commercial property, you'll need to provide appropriate documentation. This typically includes a certified copy of the SMSF Trust Deed and Custodian Trust Deed, a certified copy of the contract of sale, and financial statements. Understanding the complexities of stamp duty and capital gains related to these transactions is vital, as they can affect the costs involved. Our mortgage brokers ensure a streamlined application process by guiding you in collecting and preparing all necessary documents.

Interest rate choices are another factor to consider when applying for an SMSF Loan. Borrowers can opt for a fixed interest rate to provide stability with consistent repayments or a variable interest rate, which can fluctuate with market conditions. Deciding between these options depends largely on your financial goals and risk tolerance. Whether you aim to minimise rental payments by locking in a fixed rate or maximise potential capital gains with a variable rate, our team can help calculate the potential repayments utilising your expected rental income and estimated property value growth.

Derry & Co. is dedicated to providing you with the expertise and support needed to efficiently manage your property market investments through an SMSF Loan. By understanding your financial situation, credit history, and investment goals, we tailor solutions that help optimise your borrowing capacity. Our team does this by liaising with various banks and lenders, ensuring you have access to the most suitable SMSF Loan options available.

At Derry & Co., we're committed to making your SMSF Mortgage journey as smooth as possible. Our streamlined application process, along with in-depth knowledge of the property market, positions us as your go-to mortgage brokers for SMSF Loans for commercial property or residential investments. Get in touch with us today to begin crafting your strategy for using super to buy an investment property, and let us help enhance your investment property portfolio for the future.