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.
Sasha is extremely helpful, her knowledge is extensive which makes for a seamless and efficient process! Would recommend before anyone else
Lachlan Bates
We've had an exceptional mortgage experience with Seabreeze Wealth! We thought that securing a mortgage would be an overwhelming experience, but working with Sacha and the team at Seabreeze proved otherwise. Their communication, expertise, and tools used made the entire process smooth and stress-free. If you're looking for a reliable and genuine Mortgage Broker on the Gold Coast, I highly recommend Seabreeze.
Harrison
I've had the pleasure of working with Sacha and the team at Seabreeze Wealth and I can confidently say they are absolute professionals who truly care about their clients. Sacha is knowledgeable, approachable and always willing to share valuable insights about the mortgage process. Their dedication and passion is always evident and I have no doubt that anyone who works with them will be in great hands. If you're looking for a mortgage broker who is not only experienced but also genuinely invested in achieving the best outcome for you, I highly recommend Sacha and the team at Seabreeze Wealth!
Gordon Johnston
I had an amazing experience with Seabreeze Wealth for my first house and land purchase! The team was incredibly supportive and guided me through every step of the mortgage process. They answered all my questions and made everything so straightforward. I felt confident and well-informed the entire time. I can't thank them enough for helping me achieve my dream of homeownership! Highly recommend!
Brody Thompson
We couldn't recommend Sacha and her team at Seabreeze Wealth more! As first-home buyers, they made the entire process smooth and stress-free. They were incredibly informative, personable, and kind, always available to answer any questions we had. Their support and guidance made such a difference—highly recommend!
Peter Weatherby
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.
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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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