Owning and financing property through your self-managed super fund (SMSF) doesn’t have to be complicated, whether you’re self-employed or a PAYG employee. Traditional lenders often have stricter requirements for SMSF property finance, which can make securing a loan challenging. That’s where Fox Home Loans can help.
Our expert team works with a wide range of lenders offering SMSF loans designed to suit your income, investment objectives, and the specific requirements of SMSFs, helping you achieve your commercial or residential investment property goals with confidence.
A Self-Managed Super Fund (SMSF) is a type of superannuation fund that gives you direct control over your retirement savings and financial decisions, including property ownership. SMSFs can be used to buy, manage, and finance commercial and residential investment properties, providing options for both self-employed and PAYG borrowers.
With the right guidance, an SMSF provides a flexible framework for owning and managing property while maintaining control over your financial future.
SMSF’s cannot be taken out for standard home loans. They must be for investment purposes only, with the exception of commercial properties. Borrowing must be done through a Limited Recourse Borrowing Arrangement (LRBA), which ensures the lender can only claim the property as security, not other SMSF assets.
With the key requirements being:
We recommend seeking correct financial advice before proceeding with an SMSF purchase.
Speak with our mortgage brokers today for a confidential, no-obligation chat.
Whether you’re exploring your first SMSF property purchase or looking to expand your portfolio, we’ll help you understand your full range of options, structure your loan for maximum efficiency, and navigate every stage of the process with clarity and confidence. Our goal is to ensure your commercial or residential investment property works smarter for your future, so you can move forward knowing you’re making the right financial decisions.
Home loan pre-approval is a process by which a lender reviews your financial and credit history to determine how much money they would be willing to lend you for a home purchase. Pre-approval is not a guarantee that you will receive a loan, but it does provide an indication of how much you can borrow and the terms of the loan.
To obtain pre-approval, you typically need to provide the lender with information about your income, assets, and debts, as well as your credit score. The lender will use this information to assess your creditworthiness and calculate how much they are willing to lend you.
The pre-approval process typically takes a few days to a week, depending on the lender and the complexity of your financial situation. Once you receive pre-approval, you can start shopping for homes with the confidence of knowing how much you can afford to borrow.
Enquire for Pre ApprovalA first home buyer loan is a type of home loan specifically designed for individuals who are purchasing their first home. These loans typically have features that are intended to help first-time buyers enter the property market, such as lower deposit requirements, reduced or waived fees, and government incentives.
It’s important to do your research and compare the features and costs of different loans to find the one that best suits your individual needs and financial situation. Or leave it to the experts at Fox Home Loans. We’re here to help first home buyers navigate the complex road to owning their first home.
Enquire for your First Home LoanHome loan refinance is the process of replacing an existing home loan with a new loan from a different lender or with a different loan product from the same lender. The primary purpose of refinancing a home loan is usually to obtain a better interest rate or to access different loan features or benefits.
When you refinance a home loan, you essentially pay off the existing loan with a new loan, and the terms and conditions of the new loan may differ from those of the old loan. For example, you may be able to obtain a lower interest rate, switch from a variable rate to a fixed rate or vice versa, or access features such as offset accounts or redraw facilities.
Refinance your Home LoanBefore you start the process of switching home loans, it’s important to consider why you want to make the switch. Do you want to lower your interest rate, access different loan features, or consolidate debt? Understanding your reasons for switching can help you choose the right loan product and lender.
It’s important to note that switching home loans can be a complex process, and it may be helpful to seek advice from a mortgage broker like Fox Home Loans to ensure that you are making the right decision for your individual circumstances.
Switch Home LoansAn investment property loan is a type of home loan designed specifically for individuals who are looking to purchase a property for investment purposes rather than to live in themselves. These loans are typically used to purchase a property that will be rented out, with the rental income used to help repay the loan.
It’s important to carefully consider the costs and risks associated with investing in property and to do your research to find the right investment property loan for your needs. A financial advisor or mortgage broker may be able to provide guidance and advice to help you make informed decisions about your investment strategy.
Enquire for an Investment Property LoanA renovation home loan, also known as a home renovation loan or a home improvement loan, is a type of home loan that is specifically designed for borrowers who want to renovate or improve their existing home. These loans can provide funding to cover the cost of renovations or improvements, which can be a more affordable way to upgrade a home than selling and buying a new property.
If you are considering a renovation home loan, it’s important to have a clear understanding of your renovation plans and budget, and to work with a reputable lender or mortgage broker who can help you find the right loan product for your needs.
Enquire for a Renovation Loan
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Enter some basic details in our simple online form.
Discuss your loan preferences and application information.
Your Lending Specialist will discuss all details of your pre-approval.
With our technology, you can simply sign your loan documents electronically.
Your loan funds will be processed when settlement is finalised. It's that simple!
Enter some basic details in our simple online form.
Discuss your loan preferences and application information.
Your Lending Specialist will discuss all details of your pre-approval.
With our technology, you can simply sign your loan documents electronically.
Your loan funds will be processed when settlement is finalised. It's that simple!
Enter some basic details in our simple online form.
Discuss your loan preferences and application information.
Your Lending Specialist will discuss all details of your pre-approval.
With our technology, you can simply sign your loan documents electronically.
Your loan funds will be processed when settlement is finalised. It's that simple!
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Yes, you can refinance a property using an SMSF loan, but approval depends on your fund’s financial position and lender criteria. Refinancing through your SMSF can help reduce interest rates, as long as it follows superannuation rules and your investment strategy.
An SMSF loan lets your self-managed super fund borrow money to invest in property, with the property held by the fund. These loans are limited recourse, meaning the lender can only claim the purchased asset if the fund defaults, while repayments come from the fund itself.
An SMSF loan is a type of home loan that enables a self-managed super fund (SMSF) to purchase residential investment property or commercial property while remaining compliant with superannuation regulations. These loans typically operate under a limited recourse arrangement, which means that if the SMSF defaults, the lender can only claim the property purchased with the loan, not the other assets held within the fund. This structure allows SMSFs to invest in property while protecting the broader fund from risk.
SMSF borrowing limits vary but will go up to a maximum of 90% of the property’s value. The exact amount depends on your fund’s balance, the property type and compliance with superannuation regulations.
The type of properties you can look to purchase are residential investment properties as long as they are a single requirable asset (not multiple dwellings) as well as commercial properties which can be for investment or owner occupied.
Give us a call, and our experienced team will be able to walk you through your unique situation.
