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
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.
I had a fantastic experience with Seabreeze Wealth for all the finance needs involved in purchasing my first home. They were professional and genuinely supportive throughout the entire process. They made everything feel smooth and stress-free. I’m really grateful for their guidance and highly recommend them to anyone looking for a knowledgeable and trustworthy team.
itsRocketGG
I have referred several clients to Sacha from Seabreeze Wealth, and they have all been extremely happy with the service! Sacha has a deep understanding of the pay structures for police, firefighters, and nurses, allowing her to achieve results where others may struggle. I highly recommend her!
Lauren Plews
Sacha was so lovely and helpful. Our refinancing came through very quickly thanks to Sacha and her team. We will definitely use their services again. Thank you so much for your hard work.
Pennyanne Lace
“A huge thank you to Sacha, Sarah, and the entire team at Seabreeze Wealth for assisting Mark and I with our investment property. The whole journey was seamless, and their communication was effortless. A special mention to Sacha, who set the motion for us right from our very first meeting —your knowledge, expertise, and trust gave us confidence and made the process stress-free. We highly recommend these professionals to anyone looking for assistance with their finance needs!”
Mark Gardiner
The Seabreeze Wealth team are an absolute dream to work with. Sacha offers realistic, attainable advice and Sarah and the team make the entire process simple and easy to understand. We deeply appreciated the detailed information and updates and the time they took to fit into our schedules and the reminders and follow ups to keep us on track. Their support and assistance has been invaluable, and we are extremely grateful to have worked with such an elite team. Many thanks again, team!
Kate Tulett
Sacha and the team at Seabreeze wealth recently helped us purchase our house. Sacha and the team helped us through so many stressful parts of our application. They always made sure we were kept in the loop with every bit of information and provided reassurance through the whole process. If I ever need another broker in the future I would 100% go through Seabreeze wealth again. Thankyou Sacha ☺️
Charlie Summers
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.
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.
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.
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'.
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.
Seabreeze Wealth Pty Ltd (Credit Representative #555991) is authorised under Australian Credit License #389087. Sacha Harrison (Credit Representative #408801) is authorised under Australian Credit License #389087.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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