SMSF Property Loans

Using your Self-Managed Super Fund (SMSF) to purchase an investment property can be a powerful wealth creation strategy for your retirement. However, it is one of the most complex and regulated areas of lending. At Max Rich, we are specialists in SMSF property finance, providing the expert guidance you need to navigate the rules and invest with confidence.

Invest in Gold Coast Property with Your SMSF

Purchasing a Gold Coast residential or commercial property within your superannuation requires a specific loan structure known as a Limited Recourse Borrowing Arrangement (LRBA). The compliance requirements are absolute and non-negotiable. As specialist brokers, we have an in-depth understanding of the strict legislative framework and the niche lending policies that apply. We work closely with you and your team of professional advisors (accountant, financial planner, and solicitor) to ensure your investment strategy is executed flawlessly and remains fully compliant.

‍

Angle Right Icon
Let's talk today
1
2
3
4
5
6

Explore your loan options & their features.

No items found.
Angle Left Icon
Angle Right Icon

Helpful calculators.

Explore your financial possibilities and understand potential costs with these handy calculators.

Borrowing Calculator

Use the calculator to find out how much you could borrow.

Calculate now

Budget Planner Calculator

Use this budget planner to help understand your income and expenses, and where you could make savings.

Calculate now

Extra Mortgage Repayments Calculator

You could potentially save thousands of dollars and take years off your loan by making extra repayments. Let’s run the numbers.

Calculate now

Honeymoon Rate Loan Calculator

A honeymoon loan can help reduce your monthly repayments for a set term. Use this calculator to compare what your repayments would be compared to a variable loan.

Calculate now

Income Tax Calculator

The income tax calculator can be used to calculate your net income.

Calculate now

Loan Comparison Calculator

Different loans have different fees, features and repayment options. Use our loan calculator to see how the numbers stack up between two loans.

Calculate now

Loan Repayment Calculator

Use this repayment calculator to understand how much your loan repayments might be.

Calculate now

Lump Sum Repayment Calculator

This home loan repayment calculator helps you calculate the savings benefits of making additional lump sum repayments on your home loan.

Calculate now

Mortgage Offset Calculator

Use the calculator to see how quickly you could pay off your loan with an offset account.

Calculate now

Savings Planner Calculator

Use the calculator to find out how much you could save.

Calculate now

Stamp Duty Calculator

Find out how much budget you need to set aside to cover Stamp Duty costs and what the requirements are in your state or territory.

Calculate now

Frequently asked questions.

View our full FAQs
Angle Right Icon

Can you help me figure out my borrowing capacity?

Absolutely. Your borrowing capacity is a calculation of how much a lender will loan you based on your income, debts, and living expenses. While online calculators offer a rough estimate, we provide a far more accurate and reliable assessment. We will analyse your financial situation to give you a clear budget and help you secure a formal pre-approval, which is the green light you need to search for property with real confidence.

How does a mortgage work?

A mortgage works by allowing a borrower to take out a loan to buy a home, which they then repay over time with interest. The lender provides the funds, and in return, the borrower agrees to pay back the loan amount plus interest over a specified period.

Monthly Payments

Monthly payments typically include both principal and interest, and may also include property taxes and homeowners insurance. This is known as a PITI payment (Principal, Interest, Taxes, Insurance).

Understanding how these payments are structured can help borrowers manage their finances effectively.

How long does it take to close?

The time it takes to close on a mortgage can vary, but it typically ranges from 30 to 45 days. Factors that can influence this timeline include the lender's processing speed, the complexity of the loan, and the responsiveness of all parties involved.

Tips for a Smooth Closing

To ensure a smooth closing process, maintain open communication with your lender and promptly provide any requested documentation.

How much can I borrow?

Your borrowing capacity depends on several factors, including your income, financial commitments, living expenses, and the size of your deposit. While online calculators provide a rough estimate, our detailed assessment provides a much more accurate figure. We do this as part of a formal pre-approval process, so you know exactly what your budget is before you start looking.

‍

How to apply for a mortgage?

Applying for a mortgage involves several steps. First, gather necessary documents such as proof of income, tax returns, and credit history. Next, research different lenders and mortgage products to find the best fit for your needs.

Steps to Follow

  1. Gather financial documents.
  2. Check your credit score.
  3. Shop around for lenders.
  4. Submit your application.

Following these steps can streamline the mortgage application process.

Should I use a bank or broker?

A bank can only offer you its own limited range of products. As your mortgage broker, we offer you a choice from over 60 different lenders. We work for you, not the banks. Our role is to understand your unique needs, compare the market to find a suitable loan, and manage the entire process from application to settlement, saving you time and stress.

Talk to us today about your options.

Let’s chat today and find the right solution for you. Whether you’re buying your first home, expanding your business, or upgrading your vehicle, Maxine and the Max Rich Brokerage team provide expert, obligation-free guidance across the Gold Coast, Logan, Brisbane, and the Scenic Rim, tailored to your goals.

Angle Right Icon
Contact us
Find what you're looking for
Angle Up Icon
Contact us
Angle Right Icon