Take control of your future :
Self Managed Super Fund.

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SMSF Property Loans are easy!

If you want to make the most of your superannuation to build a healthy nest egg for retirement, investing through a Self-Managed Super Fund (SMSF) might be the perfect option. With SMSF property finance, you can use your super to borrow the money you need to close on an investment property.

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Residential SMSF investment property loan.

If you’re looking for a powerful way to secure your future-proof your finances, using SMSF investment loans to purchase investment properties is a useful way to generate long-term capital growth through property ownership and a steady flow of rental income. While SMSF investment loan rates are competitive, you will need to put down a 20% deposit. In addition, there are strict compliance rules, so you can’t live in a property you purchased using SMSF residential loans.

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SMSF Commercial Loans.

From a commercial perspective, business owners can utilise this option to secure a business premises and lease the unit back to the business at the market rate. It’s one of the most effective ways to maximise your super and generate a steady flow of income.

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Step-by-step SMSF loan process guide.

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Establish your SMSF

The first step is to decide whether to establish your SMSF with an individual or corporate trustee. The former costs less to set up, but carries more personal liability. The latter costs more initially, but this is the recommendation for investors serious about long-term growth.

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Create the Trust Deed

Now you can create the trust deed, which is the legal document required to outline precisely how your fund will operate, and this must align with super laws, so use an SMSF lawyer or accountant to ensure compliance.

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Register with the ATO

You must register with the ATO, which means first applying for an ABN and submitting to the Superannuation Industry Act 1993. Failure to comply with these requirements could land you with tax rates as high as 45%.

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Create a bank account

You need to operate a separate bank account for your SMSF and develop an investment strategy, an ATO requirement. Your strategy must document the types of investments and plans to diversify. Select an ASIC-approved auditor to handle your annual audit and lodge an annual SMSF return with the ATO.

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Choose a lender

There may be plenty of SMSF Lenders to choose from, but don’t hesitate to explore your options to get the best possible SMSF interest rates. One of the benefits of an SMSF is the control it gives you over your superannuation fund, but you can’t ignore the ongoing costs.

Why do I need a broker if I can get an SMSF loan directly through my bank?

With us.

  • A holistic and educational approach to finance. We take pride in actively educating our clients about SMSF (Self-Managed Superannuation Fund) loans and what it involves. We don’t just get your loan approved without explaining the detail you need to know.
  • We discuss your financial situation, taking our time upfront to ensure your application will accurately reflect your financial strengths, so that you’re putting your best foot forward.
  • We listen to your needs to ensure they are met by the loan. Our policy is to help you get a loan that looks after your needs, not only now, but in the future also.
  • Our brokers act on your behalf throughout the financing process, arranging the loan with the lender for you. We understand individual lenders’ policies and “appetites” so can find a loan that suits your needs.
  • You deal with one person through the whole process. So, you get personalised service and have one port of call for any questions and enquiries. This means that your questions get answered, there is no confusion, and we will know your needs. We can meet you in our Brisbane office for a chat.

Without us.

  • A stressful and confusing experience, as you deal with multiple different points of contact with a lender. You aren’t aware of how to emphasise the strengths of your financial position, so your chances of getting your loan declined increase.
  • Cookie cutter approach means you get a stock standard loan, rather than one which is customised, tailored, and structured to meet your individual needs.
  • As the loan application goes through more hands the process can be slowed down dramatically. This could cause you to miss your financing window on the sales contract of your new home.
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Why choose an SMSF setup?.

If you’re thinking about taking the SMSF route, LINK will connect you to an advisor who will help you set up the trust deed and SMSF structure. Are you interested in refinancing your SMSF loan? We’re confident we have the solution for you.
Reach out today to arrange your initial consultation. We’ll discuss the financial process involved with creating an SMSF and what’s required. We’ll also discuss your overall investment strategy, objectives around investing, and your goals. We’ll help you get to where you want to be with your investment portfolio.

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Frequently asked questions.

Who does LINK Advance help?

We’re experienced in providing tailored solutions for people who want to invest through their self managed super funds. Our priority is to streamline your loan application process, so you can enjoy hassle-free transactions.

 

We assist:

  • First home buyers.
  • First time investors.
  • Medical professionals.
  • A seasoned investor.
  • Someone looking to upgrade to a new home, without selling your existing home.
  • People who feel too busy, which holds you back from purchasing a new property.
What are the expenses with SMSFs?

Contact us.

Reach out to us to get the ball rolling on your SMSF loan journey. We start with an initial chat about your situation and goals in our Brisbane office. Through this chat, we talk about the finance process and what it involves, your goals, objectives, and the overall strategy we’ll take to get you there. Fill in the form and we’ll be in touch with you within 4 business hours.  

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