SMSF Loans

Seabreeze Wealth will help you grow the wealth of your Self Managed Super Fund (SMSF) by getting a SMSF Loan to invest in property

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Utilise your Self Managed Super Fund to invest in property

Many Australians entrust their retirement savings to industry or retail super funds, often taking a hands-off approach to managing their investments. However, there's another way to secure your financial future: using your retirement savings to invest in property through a Self-Managed Super Fund (SMSF).

An SMSF home loan differs from your typical home loan in terms of legal structure, purpose, lending policies, and loan structure.

If you’re looking for an SMSF home loan, our senior brokers at Seabreeze Wealth will get you on track—providing the right finance using your SMSF.

The SMSF, simply put, gives you control over how your retirement funds are invested, rather than relying on a super fund manager. It's crucial to work closely with our Senior Mortgage Broker and your accountant when considering an SMSF. They can work together to ensure compliance with tax laws and superannuation regulations and help devise an investment strategy for optimal outcomes.

Buying property with your SMSF comes with certain criteria. While property investment is generally seen as a safe long-term investment, specific conditions must be met. For instance, the property purchased must solely benefit the fund members, cannot be bought from a family member, and any rental income or capital gains must be reinvested into the fund until retirement.

Importantly, a property purchased through your SMSF cannot be lived in by the fund member, nor can equity be released from it as one might do with a personal home. The primary goal is to ensure financial gains for the fund.

To purchase property using your SMSF, you'll need a Limited Recourse Borrowing Arrangement (LRBA) with a loan provider. With an LRBA, the SMSF trustee borrows funds to buy property, using a portion of their superannuation savings as a deposit. The property purchased through an LRBA is held in a separate trust until the loan is repaid, ensuring that other SMSF assets are not at risk if there's a loan default.

Our Recent Reviews

Sasha and Sarah were so understanding, patient and the process was super simple. I would highly recommend using Seabreeze for your mortgage needs!

Nicola Brown

Sacha and Sarah are an absolute pleasure to work with. Excellent communication and a wealth of knowledge they provide, gives me complete confidence and satisfaction in my financial decisions. Highly recommend!

Kane Withyman

Sacha is a wealth of knowledge. Has great systems in place which helps with the stress levels. 100% recommend

Jeni Craig

Friendly & professional service. Helped us refinance our home loan to a better rate. Highly recommend!???? …

Kerrie Doyle

We have just bought a property with the assistance of Seabreeze Wealth and the process was easy and efficient. The staff managed our finance and documents hassle free and were available to answer Questions anytime. Would definitely recommend and utilise a

Jodie Rowell

It's my first time using a broker, we bought our forever home in Melbourne and Sacha was in contact with us each step of the way. She followed up when she said she would, she gave clear information and knows her stuff so we felt certain we were in good h

TheT-Rex _xXx

Frequently Asked Questions

Why use a Mortgage Broker?

When weighing the choice between using a mortgage broker or relying solely on a bank, it's crucial to recognize that your bank may not inform you about potentially more affordable options available from other lenders. In contrast, a mortgage broker provides a thorough comparison of various options. Furthermore, our services incur no cost to you, and satisfaction surveys consistently reveal that mortgage brokers surpass bank managers in customer satisfaction. We handle the complexities of loan applications and negotiate with banks on your behalf.

What government grants or incentives are accessible to first-time homebuyers or property investors?

There are several government grants and incentives available for first-time homebuyers. For instance, the First Home Owner Grant (FHOG) provides financial aid for purchasing or constructing a new home. Moreover, the First Home Loan Deposit Scheme (FHLDS) and Home Builder Scheme offer additional assistance. Property investors may also benefit from tax advantages and depreciation allowances. At Seabreeze Wealth we can provide detailed information on these programs and their potential advantages for you.

What is the criteria to qualify for the First Home Owner's Grant or stamp duty concession?

Each state sets specific eligibility requirements for the First Home Owner's Grant or Stamp Duty Concession. These usually involve confirming your citizenship or permanent residency status, ensuring that the property's purchase price meets certain criteria, and verifying that it is your first home. You can easily access links to the requirements of each state here.

Do you provide continuous support and reviews post-mortgage settlement to ensure my loan stays competitive and aligns with my changing circumstances?

Many believe our role ends once the loan is approved. While that's a crucial part, our dedication truly shines in our post-settlement service. We actively review every loan every six to twelve months, and we know which banks are open to renegotiating your loans. We're committed to keeping more money in your pocket rather than the banks'.

Are you able to assist with refinancing an existing mortgage to potentially obtain improved rates or terms?

Certainly. Refinancing an existing mortgage can be a wise financial decision to access better interest rates, tap into equity, or adjust loan terms. As a mortgage broker, I can evaluate your current mortgage and financial circumstances, explore various options available, and assist you through the refinancing process to potentially save money or accomplish other financial objectives.

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