Investment Loans and SMSF
- Investment Loans and SMSF
Investment loans and SMSF for essential workers
Your income is stable and your profession is in demand. That makes you a strong candidate for property investment.
Essential workers in stable, ongoing employment are well positioned to build wealth through property. We help you structure an investment loan correctly from the start, whether you are buying your first investment property or adding to an existing portfolio.
The same lender knowledge we apply to your home loan applies here. We know which lenders offer favourable investment policies for essential workers and how to structure your borrowing to maximise your position.
- Investment Loans
Investment loan benefits for essential workers
- LMI waivers available for eligible professions on investment properties with select lenders
- Interest only options where appropriate for cash flow management
- Rate and structure comparison across 90+ lenders
- 100% of overtime and shift income counted toward investment serviceability with the right lenders
- Portfolio lending strategies for those looking to build beyond one property
- SMSF Loans
Buying property through your super
A self-managed super fund can be a powerful vehicle for essential workers looking to invest in property through their superannuation. SMSF loans have specific rules and structures that differ from standard investment loans, and getting the setup right from the beginning matters.
We help essential workers understand whether SMSF property investment is appropriate for their situation, and if so, how to structure the loan correctly.
- SMSF Key Points
- SMSF loans are limited recourse borrowing arrangements with specific compliance requirements
- The property must meet the sole purpose test and be used for investment only
- Lending criteria and interest rates differ from standard investment loans
- We work with lenders experienced in SMSF lending and ensure the structure is correct
- We recommend working with your accountant or financial planner alongside us for SMSF strategy
- How It Works
Our process
- Step One
Free call
We understand your investment goals, current position and super balance if relevant.
01
- Step Two
We assess
We assess your borrowing capacity for investment and discuss the right structure.
02
- Step Three
End to end
Application and settlement managed end to end.
