Self-Managed Super Fund (SMSF) Loans
Using a Self-Managed Super Fund to purchase property requires coordinated advice from multiple professionals, including credit assistance at QF Finance, an Accountant, and a Financial Adviser.
Specialist SMSF lending and structuring
If you are considering purchasing property through an SMSF, we provide an overview of the lending process and a high-level view of potential borrowing capacity based on lender policy.
Working alongside your Financial Adviser and Accountant, QF Finance supports the loan application process from enquiry through to settlement. Through our lender panel, we help source loan options and structures that may be available for SMSF property purchases, subject to lender criteria.
How the process usually runs
- An initial discussion to understand the fund, its members and the intended purchase
- A high-level view of borrowing capacity based on current lender policy
- Coordination with your Accountant and Financial Adviser on structure
- Sourcing suitable lenders from our panel and preparing the application
- Managing the application through to settlement
Worth knowing: SMSF property investment is complex and may not be suitable for everyone. You should obtain independent financial and tax advice to determine whether it is appropriate for your circumstances. General information only. Eligibility, lender criteria, fees and charges apply. QF Finance does not provide financial product advice.
Commercial property acquisition & development
Purchasing a commercial property
Your business may have outgrown its current premises, or you may be considering investing in commercial property rather than leasing. Commercial property lending differs significantly from residential lending, making it essential to structure the finance correctly based on your circumstances and long-term objectives.
Constructing multiple dwellings
Developing multiple dwellings can range from small to large-scale projects, each presenting unique challenges and funding requirements. While prior experience is an important consideration for lenders, it is not always a deal-breaker. Engaging an experienced project management firm can help not only with obtaining finance, but also with ensuring the project is properly budgeted and managed to reduce the risk of cost overruns and delays.
Development loans are generally short-term facilities designed to fund a project from commencement through to completion. Upon completion, the sale of the dwellings typically repays the debt. Where some properties are retained as long-term investments, a residual stock loan may need to be considered.
Worth knowing: Business and commercial loans may require security such as property or business assets, and may involve personal guarantees. Failure to meet repayment obligations could result in loss of secured assets. Loan terms, covenants and costs vary significantly between lenders and must be carefully assessed.
Book a no obligation consultation
Tell us where you are up to and we will map out your options and the smartest next step. Complimentary, no obligation to proceed.