SMSF Loans for Property
- Finance your SMSF property purchase!
Gain Expert Advice & Guidance
My Property & Finance takes the complexity out of SMSF property loans. Our Lending Specialists will work with your financial planner to guide you through the requirements for your SMSF investment loan.
Obtain a Free Pre-approval
A pre-approved SMSF property loan from My Property & Finance will give you the flexibility to take advantage of property investment opportunities when they arise.
Find the Right SMSF Loan For You
We'll work with you and your financial planner so that we can carefully assess your situation so we can match the best loan for your super fund, at the most competitive rates.
Research Your SMSF Investment Property
Research is the key to success. Our free property reports will provide you with valuable information to help you make a sound property investment decision for your SMSF.
Our customers’ experience speaks for itself!
I highly recommend YMB Finance! Nick and his team Made the whole Process straightforward and easy. With a short settlement Nick was quick to organise and have my Home Loan approved!
Could not rate highly enough, very supportive and great communication throughout, wonderful experience:)
Fantastic experience, extremely helpful and knowledgeable. Highly recommended service, Nick, and the team are great.
I always look for a veteran-owned business and Nick did not disappoint. Nick has been an amazing broker whose attention to detail and duty of care has extended for years after my home purchase. This is my second house purchase with Nick and I would highly recommend him if you are after an informed and decent broker.
This is the second time Nick and his team have helped me through an application. Once again they were excellent. They were detailed and informative while responding swiftly and always available when needed. I couldn’t recommend them highly enough.
We have gone through Nick and his team for two home loans so far. They have been professional, thorough and responsive throughout, and found us good rates and lenders despite our inconsistent freelance incomes. We look forward to continuing working with YMB Finance into the future.
Nick and the team were super helpful in getting us the best rate for our homeloan. The product he recommended to us gave us the best deal but actually gave him a lower commission than other products he could have recommended, which shows how much he cares about getting his customers a better deal.
Nick was terrific in helping me with my first home and loan, very appreciative of his work
Excellent help,very professional
Nick made the whole process easy when refinancing . He answered my questions and I didn’t have to worry about much. The relationship still continues 4 yrs down the track with regular phone calls to see if I need anything and trying to better you a better deal.
Professional, transparent and all round great bloke. Excellent communication and really quick turnaround for everything!
“Refinancing loans can be challenging, especially when planning to buy a new home. Nick was incredibly helpful throughout the process, always available to answer our questions and provide guidance. His support made everything so much easier, and knowing we had someone so knowledgeable on our side gave us great confidence. Highly recommend his services!”
Nick is a great mortgage broker, very professional and with an incredible ability to work around any problems. He is unfailingly polite, with great listening skills. I have had several mortgages with Nick and have always found Nick and his staff to respond quickly to any enquiries, I highly recommend YMB Finance.
Make the impossible, possible! That’s what Nick and his team are capable of. The pressure was on, the clock was counting down but Nick and team delivered the goods. I have to give him praise for his determination and tenacity in his willingness to persevere against the odds and come through with the goods in the end. His unwavering support, feedback and persistence, finally delivered and we got our factory through our SMSF. Currently working on refinance of other properties. Highly recommend.
Nick and the team patiently and diligently went about finding a solution to refinance our loans and put us on a much more financially sustainable footing. Excellent work, I would highly recommend their services.
Nick and his team are amazing!! This is the second house we have purchased through Nick . Nick and his team are knowledable, supportive, patient and efficient. We can't thank them enough for making this process easy. Jess and Paul
Very happy. Made getting a home loan really quick and easy. Talked through everything with no surprises.
Nick was a pleasure to deal with, always available no matter what time of day and always happy to help. Highly recommend Nick and his team
Nick has recently completed two refinances for me and I couldn’t be more impressed with his efforts. This was very refreshing from previous experiences which always had last minute requests for “one more thing” and then “one more thing”! No email to Nick and Queenie and his team goes unanswered. They always acknowledged receiving documents and kept me in the loop. The team provided very clear instructions and checklists which ensured a smooth process from start to finish, as easy as it could be for me. I could not recommend Nick and his team highly enough!
I can't recommend Nick and his team enough! Over the three-year journey to homeownership, they demonstrated incredible knowledge and, most importantly, patience. They consistently reassured me and gave me hope when I needed it most. Nick was always there to answer my questions and guide me through the complex process of getting a mortgage. Thanks to his expertise and support, I was finally able to achieve my dream of owning a home. If you're looking for a mortgage broker who truly cares and will stand by you every step of the way, look no further than Nick and his amazing team!
Nick and Reza delivered exactly what they promised. They coached us through the application process and made sure that the right processes were followed to get our property puchase settled on time. They respond quickly to enquiries and always available on the end of the phone when needed. I would definately recommend, and if purchasing in the future will use again.
I found YMB Finance on Google. I was looking for an owner-builder loan. Banks were giving us the runaround. Nick and his team came through by finding the right bank for this type of loan. The process was quite easy. The team did all the work for us.
Nick and his team have been amazing to deal with - 5 star rating is absolutely deserved. I came to him with a complicated set of circumstances and not only was Nick kind and considerate, he was patient and willing to help in any way he could. I will be referring Nick to anyone I know that needs a mortgage broker - the best!!
Nick and the team were second to none when helping my partner and I finance our home build... Twice... Due to our first builder going bust, their help to secure finance with another builder and continued support has eased the burden of the whole finance process. Couldn't recommend any more highly!
I highly recommend YMB Finance! Nick and his team Made the whole Process straightforward and easy. With a short settlement Nick was quick to organise and have my Home Loan approved!
This company have improved our lives in dramatic ways. Update: still as awesome as ever!
I highly recommend Nick from YMB finance. He is amazing at what he does with home loans and sorting out finances. I have worked with Nick for quite a few years now and all my family use Nick for their home loans. He removes the stress of navigating the industry for home loans and always tries to get the best interest rate for your needs. He also tries to base your loan repayments on a higher interest rate so that you are still comfortable to pay off the loan. Thank you Nick for all your years of support and trust.😊😊
I was having a lot of trouble getting a loan from a bank , I approached 2 , due to my situation at the time they were only offering me a fraction of what I needed. I was given Nicks number and finally he made it happen. Thank you for your persistency. Elena
I recently had the pleasure of working with Nick and his team from My Property & Finance to purchase a property, and I couldn't be more impressed with their service. I was lucky enough to find Nick’s company, who should be commended on his efficiency and communications, and most notably going above and beyond to get things done. Nick made himself available to assist with urgency on Christmas Day and during the Christmas holiday! It was an unbelievable service and support by Nick. I am very thankful and grateful for his commitment and a quick turn around of events to secure a perfect property during Xmas time. Nick’s team is highly efficient and so easy to work with too! The whole process was extremely structured and enjoyable. Well done, guys! I highly recommend YMB Finance to anyone in need of mortgage brokerage or services. Best brokers service ever received.
I highly highly recommend Nick & his team! They have all been fantastic and so easy to deal with. I will absolutely be using them in future and have no hesitation in recommended Nick to all my family & friends.
Outstanding service, helping me through every step of the process. Always willing to answer my questions and give genuine advice best for my situation
I couldn't recommend a more outstanding broker for your needs
Nick and his team did a great job organising finance for a new house purchase. After being mucked about by our bank for a week we made a call to Nick on a Tuesday afternoon. Our finance for two separate loans was approved on Friday meeting our deadline. I think we we set a record for fastest loan approval ever. Truly amazing considering the complexity of our situation. I highly recommend Nick and will definitely engage again for any finance services in the future.
Excellent broker! Nick and his team were great and went over and above. My partner and I are not tech savvy and they guided us through the whole process. And when I didn’t understand certain figures Nick did not make me feel stupid for asking the same question 10 times over. Highly recommended for a streamlined process. Our loans were commercial and residential and acreage and residential. So very versatile and capable of broad scope of lending. Cheers Danielle and Bruce
We have been with YMB Finance for approximately 7 years now. They have helped up secure a building loan and refinanced for us a few times in that 7 years. They are always available to provide advice and the refinancing process is always easy and smooth. It is very user friendly and safe. They also regularly check in. They are proactive, they don't just help you with your loan and forget about you.
Our experience with Nick and his team was exceptional. Nick overcame every hurdle we came across. He did it with the utmost professionalism and as promptly as possible. Cant speak highly enough of his efforts to help us. I would have no hesitation in recommending his services (and I have)
It is hard to exaggerate just how much appreciation we have for Nick and the team. Prior to our involvement with Nick we were at a loss to know how to proceed with our knock down rebuild project and the finance for it. We had knocked down our original house on the basis of a bank saying they would finance us as owner builders. A change of policy meant that bank would no longer fund us. We tried to engage with a number of brokers and banks to assist us to no avail. Nick and the team worked tirelessly to secure a very competitive loan and we are now building our house. We could not rate them more highly.
Nick, Brigid and the team at YMB finance are professional and take the time to explain the processes involved in financing and refinancing. We are so happy to be in our new house and couldn’t have done it with such ease without YMB finance.
UPDATED REVIEW May 2023: My husband and I previously highly recommended Nick and the team at YMB Finance when they helped us with our home loan in 2021. Because the team was so excellent, we had no hesitation in using their services again for refinancing our loan. They’ve made this process smooth and efficient. Yet again all the staff at YMB Finance have been friendly, helpful and attentive. Nick has successfully matched us to a mortgage lender that suits our current needs. We will absolutely come back to seek assistance from Nick and the staff at YMB Finance should we need to in future and have no hesitation in recommending them to others. INITIAL REVIEW May 2022: My husband and I highly recommend Nick and the team at YMB Finance. From our first phone call to Nick until our most recent request for a review of our mortgage rate, he has been friendly, helpful and attentive. He’s answered all our queries in a timely and comprehensive manner and got us a mortgage lender that suits our needs well. After Nick and his team were so professional and patient with us, we would have no hesitation in using their services again in future.
Nick and team are amazing! This is the second time we’ve used them and I’ll use them again
Nick and his team were brilliant in navigating the complexities of my situation, and in supporting me all the way though the process. Thank you, thank you, thank you for your professionalism AND your humanity. Highest of recommendations
We have had a great experience with Nick Blencowe from YMB finance, he has worked with all of our family members to get approval on their land and construction too. He really helped us to understand what we needed for the approval and stayed in contact the entire time as we are first home buyers and didn't know the ins and outs of it all. Thanks again Nick
Nick and his team have been professional and helpful in sourcing a loan for our SMSF. His experience across this area greatly assisted.
Very professional and helpful. Nick and his team are very attentive to answer any questions and go that extra step. Highly recommended!
Nick has been terrific in providing mortgage broking services to us for both initial mortgage loans to refinancing - for many years now. He is expert and professional and across everything but also very friendly and good natured. I recommend Nick and his finance team to anyone.
Very helpful with guidance and clear communication. Always following up and reminders sent to us when needed. Professional service provided.
Nick and the team from YMB finance are amazing. We are so glad we found them as we had a tricky lending requirements being owner builder. We had tried a few brokers locally on the Sunshine Coast qld but had no luck, being in a different state was no problem at all for Nick. From day dot they were so informative and we knew exactly what was happening every step of the way. My husband and I highly recommend and wish we could give more than 5 stars!
Nick and the team at YMB finance are absolutely fantastic to deal with. Nick went above and beyond what was necessary to help us get our finance sorted. He was always very accessable whenever needed, put our minds at ease when we where worried. They made the process very easy to deal with. Would recommend and would use again.
Nick and the team at YMB Finance were amazing. Would highly recommend and would definitely use them again.
Nick and his team were fantastic! Very helpful and understanding. Would very highly recommend YMB Finance. 🙂
Understanding SMSF Property Loans
What is an SMSF Loan?
An SMSF loan (or SMSF property loan) allows you to leverage the funds within your Self-Managed Super Fund to invest in property. This is done through a limited recourse borrowing arrangement (LRBA), where the loan is secured against the property itself, minimising risk to your other superannuation assets.
You can use an SMSF loan to purchase a wide range of property types, including residential, commercial and industrial.
Investing super funds into property has become a popular way to prepare for retirement. Since 2007, changes in superannuation laws have allowed SMSFs to borrow funds to purchase properties, which can be residential, commercial, retail, rural, specialised use/zoning and even certain residential development projects. This strategy is not only popular with small business owners, it’s also an attractive option for “mum and dad investors” looking to enter the property market to secure their retirement future through property investing.
By strategically using an SMSF to invest in property, you can potentially benefit from tax advantages, greater control over your investment strategy, and build a robust retirement portfolio.
Why Choose YMB Finance for Your SMSF Loan?
Your Trusted SMSF Loan Specialists
At YMB Finance, we understand that securing the right SMSF loan is crucial for your retirement planning. Since 2012, we’ve been helping Australians nationwide achieve their property investment goals.
Our experienced Lending Specialists are experts in SMSF lending. We take the time to understand your unique financial situation and long-term objectives in consultation with your advisor. We’ll guide you through the entire process, ensuring you feel confident and informed every step of the way.
SMSF loans are a financial product. They are much more complicated than your average home loan, so it’s important that you seek guidance from an experienced mortgage broker who knows the options, industry, credit criteria and lender requirements.
We have access to a wide network of lenders, including those specialising in SMSF loans. This allows us to compare SMSF loan options and find the most competitive rates and flexible terms to suit your needs.
SMSF borrowing can be complex. We’ll work closely with you and your financial planner to simplify the process and ensure your SMSF property investment aligns with your overall retirement strategy.
Navigating the SMSF Loan Process
Making Your SMSF Property Investment a Reality
Step 1: Expert Advice: Our Lending Specialists will work with your financial planner to ensure an SMSF loan aligns with your SMSF strategy and assess your SMSF borrowing capacity.
Step 2: Pre-approval: Gain financial certainty with a SMSF loan pre-approval, so you can confidently search for your ideal investment property.
Step 3: Finding the Right Loan: Policies vary from lender to lender, particularly in the way they assess your ability to repay your loan and liquidity requirements. We’ll compare options from various lenders, including niche lenders specialising in SMSF lending, to find the most competitive rates and suitable SMSF loan terms for your circumstances.
Key Considerations for SMSF Borrowing
Is an SMSF Loan Right for You?
Investing in property through your SMSF can be a powerful strategy, but it’s essential to carefully consider all aspects before proceeding with SMSF borrowing.
SMSF loans are subject to specific rules and regulations. Likewise, it’s essential that you obtain specialist financial planning, accounting and legal advice to make sure this investment strategy is right for you.
Lenders have varying criteria for assessing SMSF loan applications, including your super fund’s structure, investment strategy, and ability to service the loan.
At YMB Finance, we’ll help you navigate these complexities. Contact us today for a consultation to discuss your SMSF lending needs and determine if this is the right path for you.
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Common Misconceptions About SMSF Loans
Misconception 1. SMSF loans are only for the wealthy.
Reality: While it’s true that you need a certain level of funds in your SMSF to qualify for a loan, SMSF loans are not exclusive to the very wealthy. Many everyday Australians with a solid superannuation balance may be able to leverage their SMSF to invest in property.
Misconception 4: SMSF loans are too risky.
Reality: While all investments carry some level of risk, SMSF loans are structured with safeguards in place, such as the limited recourse borrowing arrangement (LRBA). This helps protect your other superannuation assets if the investment property declines in value.
Misconception 2: My personal credit history doesn't matter for an SMSF loan.
Reality: While the loan is in the name of your SMSF, lenders will still consider your personal credit history as part of their assessment. This is because you, as the trustee, are ultimately responsible for the SMSF’s obligations.
Misconception 5: Setting up and managing an SMSF is too complex.
Reality: While there are certainly complexities involved in managing an SMSF, with the right advice and support, it can be a manageable and rewarding way to invest for your retirement.
Misconception 3: I can use my SMSF to buy a holiday home for personal use.
Reality: There are currently no lenders funding the purchase of a holiday home for personal use in and SMSF.
Misconception 6: I can access the equity in my SMSF property whenever I want.
Reality: There are currently no lenders funding the release of equity in a property held in and SMSF.
Like to stay well-informed?
Common Questions About SMSF Loans
To be eligible for an SMSF loan, you generally need:
- An established self-managed super fund (SMSF) with a complying trust deed.
- A trustee structure that meets lender requirements.
- A clear investment strategy that includes property investment.
- Sufficient funds in your SMSF to cover the deposit and associated costs.
- The ability to meet the lender’s serviceability requirements.
While SMSF borrowing can be a valuable strategy, it’s important to be aware of the potential risks:
- Investment risk: Property values can fluctuate, and there’s no guarantee of capital growth.
- Legislative risk: Superannuation and tax laws can change, impacting your investment.
- Liquidity risk: Ensuring your SMSF has sufficient liquidity to meet loan repayments is crucial.
Diversification within your SMSF and seeking professional advice can help mitigate these risks.
You can use an SMSF loan to purchase a variety of properties, including:
- Residential properties (houses, apartments, townhouses)
- Commercial properties (offices, shops, factories)
- Industrial properties (warehouses, industrial units)
It’s important to note that some lenders may have restrictions on certain property types, so it’s crucial to discuss your specific needs with us.
SMSF loan repayments are typically made from the following sources:
- Rental income generated by the investment property
- Contributions made to your SMSF (including employer contributions and personal contributions)
It’s important to have a solid strategy for managing your SMSF cash flow to ensure timely loan repayments.
The amount you can borrow for an SMSF property loan depends on several factors:
- The current balance and contribution history of your SMSF
- The lender’s assessment of your fund’s ability to service the loan
- The loan-to-value ratio (LVR) offered by the lender
We can help you determine your SMSF borrowing capacity and find a loan that suits your financial situation.
Disclaimer
The information provided on this website is general in nature and does not constitute financial, legal, tax, or property advice. YMB Finance does not provide financial planning, legal, taxation, or property advisory services. Before making any decisions regarding an SMSF loan or property investment through your Self-Managed Super Fund, we strongly recommend seeking independent advice from a qualified advisor to ensure that this strategy aligns with your financial goals and complies with relevant regulations. Lending criteria apply, and loan approval is subject to lender requirements and individual circumstances, so it is essential to consult a licensed professional before proceeding with any SMSF borrowing arrangements.
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