Now is always a great time to shop around or check that you have the right loan for your needs. We’re a great starting point. It will depend on what interest rate you’re currently paying, what type of home loan you have (e.g. fixed, variable, interest only, line of credit), and what features you want in your loan. We can quickly explain your options.
Other FAQs
Salary sacrificing can be an effective way to build retirement savings tax-efficiently, particularly for higher income earners. Concessional contributions are generally taxed at a lower rate than many personal marginal [...]
The timeframe for the financial advice process can vary depending on the complexity of your situation and the type of advice you require. In many cases, the process can take [...]
Yes, refinancing may be available for eligible SMSF loans. Common reasons for refinancing include securing a more competitive interest rate, restructuring an existing loan, improving cash flow, or aligning the [...]
Approval timeframes can vary, but many asset and vehicle finance applications can be processed relatively quickly, sometimes within a few days. More complex commercial applications may take longer depending on [...]
SMSF commercial property loans are specialised lending products designed for eligible Self Managed Super Funds acquiring qualifying commercial property. Depending on the lender and structure, common features may include: Variable [...]
In some cases, yes, the lender may ask for a letter of employment to prove your current and future employment status, namely: How long you have been a teacher. Whether [...]
All investments carry some level of risk, but risk can be managed — not eliminated. Ways to manage risk include: Diversifying across asset classes Avoiding concentration in a single investment [...]
A Limited Recourse Borrowing Arrangement (LRBA) is a specialised borrowing structure used by eligible SMSFs to acquire certain assets, including qualifying commercial property. Under an LRBA, the lender's security is [...]
Many buyers get swept up on a wave of rising property prices when they hand over their deposit in exchange for a floor plan. Historically, property is a consistent long-term [...]
Financial advice can have a mix of both one off and ongoing fees depending on the types of advice provided, for a better understanding see our fee table here.
There are a number of fees and costs involved when buying a property. To help avoid any surprises, the list below sets out many of the usual costs: Stamp duty — This [...]
When you choose to proceed, you can expect: A structured discovery meeting focused on your goals and retirement lifestyle Detailed modelling to test different income and retirement timing scenarios Clear [...]
Deposit requirements vary between lenders and depend on factors such as the property's location, use, value, and the overall strength of the SMSF. In most cases, SMSF borrowers should expect [...]
In many circumstances, yes. One of the unique features of SMSF commercial property investment is that an eligible business may be able to lease commercial premises owned by the SMSF, [...]
We’re all unique when it comes to our finances and borrowing needs. Contact us today, we can help with calculations based on your circumstances.
