SMSF Property Loans

Self Managed Super Fund (SMSF) Loans

Goldfields Money offers competitive rates and flexible products to meet your SMSF lending requirements.

A Goldfields Money SMSF loan is designed to assist SMSF Trustees invest in Real Property. SMSF's require specific Trust structures for this type of investment. It is therefore important that you seek independent financial and legal advice prior to applying for a SMSF Loan.

SMSF Loan Fact Sheet

Features

Eligibility Company trustees of SMSFs buying residential, commercial or rural investment property in Australia.
Individual trustees of SMSFs buying residential, commercial or rural investment property in Australia.
Loan Amount Minimum: $150,000
Maximum: $1,250,000
Loan to Value Ratio Maximum: 80% for residential property.
Maximum 70% for commercial property.
Maximum: 60% for rural property.
Loan Term Up to 30 years for residential property.
Up to 15 years for commercial or rural property.
Repayment Terms Residential - Principal and Interest. Interest Only (max 5 years).
Commercial - Principal and Interest. Interest Only (max 5 years).
Interest Rates Variable or Fixed Rates. Split Loans Available.
View the Interest Rates Sheet for current interest rates.
Security Limited recourse mortgage and guarantee from the Property Trustee in relation to the investment property.
Guarantees will also be required from the SMSF members and may be required from other companies or trusts related to the members.
Redraw Option / Offset Accounts Redraw of payments in advance is not available for SMSF loans.
Offset accounts are not available.

 

Fees

Establishment Fee $1,500
Legal Fee Based on complexity of structure and lending requirement.
Valuation / Mortgage Lodgement Fee Fee charged based on the cost to Goldfields Money.
Ongoing Fees No ongoing loan fees. Other fees and charges may apply.

 

How to Apply?

There are specific documentation requirements for a SMSF Loan including, but not limited to: