SMSF Lending

Self Managed Super Fund Finance

Are you looking to leverage the power of your Self Managed Super Fund (SMSF) and invest in property? 

Self-Managed Super Fund (SMSF) or Limited Recourse Borrowing Arrangements (LRBA) loans present lending for alternative investment opportunities. At Prosperity Mortgage Partners, we specialise in SMSF borrowing and are dedicated to assisting you in making informed lending decisions that align with your financial goals, as recommended by your financial advisor.

Why Choose Prosperity Mortgage Partners?

Knowledge: Our mortgage specialists combines in-depth knowledge of SMSF lenders. We stay updated with the latest industry lending regulations and guidelines, ensuring we provide you with accurate information and reliable advice. 

Tailored Solutions: Every SMSF is unique, and we recognise that a one-size-fits-all approach doesn’t work when it comes to SMSF borrowing. We take the time to understand your specific circumstances and investment objectives and then create customised loan solutions that align with your needs. 

Extensive Network: Over the years, we have built strong relationships with a wide network of lenders specialising in SMSF loans. This allows us to access a diverse range of loan products and access competitive interest rates and favourable terms and conditions on your behalf. 

SMSF Process: Navigating SMSF borrowing can be complex, but we’re here to explain the lending process to you. Our team will guide you through the entire process, from loan application to settlement, ensuring a positive experience and timely completion of all necessary documentation. 

Compliance and Legal Expertise: SMSF loans come with specific legal and compliance requirements that must be adhered to. We will work closely with your legal, accounting and financial planning professionals to ensure that your loan structure is compliant and protects your funds integrity. 

Frequently Asked Questions

An SMSF loan, or Self-Managed Super Fund Limited Recourse Borrowing Arrangement loan, allows your SMSF to borrow money to invest in property. With an LRBA, your SMSF can purchase a residential or commercial property while using the property itself as security for the loan. The SMSF repays the loan over time, using rental income and contributions from members.

While there are restrictions on the types of properties that can be purchased, SMSF loans offer flexibility in terms of property choices. You can invest in residential properties and commercial properties and different lending rules apply to different types of property.

Please note that certain limitations apply, and these must be clarified with your financial planner, your accountant and a legal expert.

SMSF loans are typically approved once your Self-Managed Super Fund (SMSF) has been established, and the funds have been successfully transferred into the fund. 

Many lenders offer relatively short approval process if you have supplied all the necessary documentation and information. 

Professional advice from financial planners, accountants, and legal experts are paramount when navigating the SMSF complexities, and we as mortgage brokers will assist you with the lending aspect of your SMSF, once your SMSF has been set up. 

Ensure you consult with financial planners, accountants, and legal experts because like any investments, SMSF loans come with risks and consideration to be aware of: 

  • Strict compliance with SMSF laws and regulations is essential. 
  • Interest rates and property values may fluctuate, impacting the performance of your investment. 
  • Repayment obligations and potential rental income shortfalls need to be carefully managed. 

Our knowledge can prove invaluable throughout the financing process, since we  specialise in SMSF loans and we have in-depth knowledge of lenders, loan products, and the regulatory landscape. We can help you find the most suitable loan options for your circumstances, a competitive interest rate and will guide you through the loan application process, ensuring compliance with strict SMSF regulations thus saving you time and effort.

Take The Next Step With Prosperity Mortgage Partners

If you’re ready to explore the world of SMSF Limited Recourse Borrowing Arrangement loan or have questions about the lending process, we are here to help. Contact Prosperity Mortgage Partners today to schedule a consultation.