SMSF Loans - Your Trusted Online Mortgage Broker

SMSF Loans

We're expert Mortgage Brokers helping you fund your property purchase with a Self Managed Super Fund Loan

5.0

from 92 Reviews

Utilise your self-managed super fund to purchase property with a SMSF Loan

When it comes to growing your wealth through investing in property, a Self Managed Super Fund (SMSF) Loan can be a powerful tool. Essentially, a SMSF Loan allows your SMSF to borrow money for the purpose of buying a property, offering a unique way to potentially increase the value of your retirement savings.

Why should you consider an SMSF Loan for your property investment? The key advantage is the possibility of leveraging your superannuation fund to get into the property market sooner than you might have thought possible. This can lead to substantial growth in your super fund, contributing to a more comfortable retirement.

However, navigating the complexities of SMSF Loans requires precision, understanding, and expertise. This is where LoanBuddy comes in. Our team has a wealth of experience in assisting clients with their SMSF Loans, ensuring that the process is as smooth and efficient as possible. We understand the specific legal and financial regulations that govern these loans and work diligently to ensure that your fund remains compliant, avoiding any potential pitfalls.

Ready to chat to one of our team?

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Our Process

Discovery Call: Our initial consultation helps uncover your goal, aspirations and to choose a suitable solution for you to realise your goals.
Research: We analyse the information we’ve uncovered and carefully consider strategic solutions that will help you achieve your goals.
Recommendation: We will then provide you with your recommendation and a choice of lenders to choose from.
Loan Application: Once we have proceeded with the recommendation, we will submit your application with the chosen lender.
Approval: This is when the chosen lender has confirmed they are willing to approve and settle your loan. At this stage, you can relax.
Settlement & Ongoing Reviews: Congratulations your finance journey has been completed! We'll also check-in regularly to ensure the initial solution is still relevant for your goals.

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Our Recent Reviews

We cannot recommend Shane enough! He is the best broker we have worked with. He is so thorough, explains every detail, and just makes the process so seamless. Highly recommend ⭐

Melissa Moscato

Shane made our loan process smooth, stressfree and incredibly fast. From the first conversation, he was professional, knowledgeable and always available to answer our questions. He explained all options clearly and worked hard to find the best solution for our situation. What really stood out was his honesty, transparency and dedication. Shane kept us updated throughout the process and made everything easy to understand. His support and guidance gave us complete confidence. If anyone is looking for a reliable and efficient mortgage broker, I strongly recommend Shane and the LoanBuddy team. Thank you again for your outstanding service!

Brinda Tamang

Absolutely fantastic service! Our mortgage broker Shane Heness made the whole process smooth and stress-free. They were patient, knowledgeable, and always happy to answer our questions. We felt supported at every step and ended up with a great outcome. If you’re looking for someone who genuinely cares and delivers results, I highly recommend them.

khem Chhetri

I’m really happy with the support Shane provided. He was professional, responsive, and always clear in his communication. He managed timelines well, kept everything transparent, and made the whole process feel straightforward and stress-free. Shane was easy to deal with and clearly knew what he was doing. I’d happily recommend him to others.

Ali Raza

Frequently Asked Questions

Can I use equity in my current property to invest?

Often, yes. If your property has increased in value, you may be able to access equity to use as a deposit for your next purchase. We assess this carefully to make sure the strategy is sustainable.

What’s different about construction loans?

Funds are released in stages as your build progresses. You usually only pay interest on the amount drawn during construction. We guide you through the entire process.

Do I pay to use LoanBuddy?

In most cases you do not pay for our services. If there is a fee to pay you will be notified up front before your application is submitted.

Can I buy property through my SMSF?

Yes, if your SMSF is set up correctly and meets lender requirements. SMSF lending has stricter rules than standard investment loans, so it’s important to structure it properly from the start.

Can LoanBuddy help if I have a poor credit history?

Not all credit issues are the same. We review your situation upfront and let you know what’s possible and whether anything needs to be addressed first.

Am I ready to speak to a mortgage broker?

Whenever you have a property objective, be it buying a new home or refinancing your current one, it’s time to have a conversation with a mortgage broker, or, as we like to refer to them, our ‘home loan experts.’

We’re here to guide you on your journey, helping you reach your destination, wherever that may be!

What documents will I need for a loan application?

Most lenders will ask for identification, proof of income such as payslips or tax returns, recent bank statements, and a summary of your existing debts and living expenses. To make the process easier, we provide a simple, tailored checklist based on your individual circumstances.

How much can I realistically borrow?

It depends on your income, expenses, debts and lender policy. Online calculators are a guide only. We assess your position properly and give you a realistic borrowing range.

How does LoanBuddy get paid?

Lenders compensate us to help you secure an outstanding home loan.

Why do they do it? Well, lenders highly value new customers, and our role involves handling many of the complex tasks that lenders typically perform to guide you through the home loan process. Hence, they reward us for our assistance.

Importantly, we’re impartial in our recommendations. As mortgage brokers, we are legally obliged to prioritise your best interests when suggesting a home loan.

Rest assured, choosing us won’t result in higher loan costs compared to going directly to a lender. In fact, we often secure better deals for you than the advertised rates.

Think of us as your trusted allies. We’ll always provide full transparency regarding any commissions, as disclosed in our documents.

How long does the mortgage approval process usually take?

Depending on the lender it can take anywhere from a couple of days to over a week. We manage the entire process and keep you updated throughout.

Who is LoanBuddy?

We are an Australian Mortgage Broker business. At LoanBuddy, we pride ourselves on being more than just home loan experts. We’re your trusted partners in making you feel secure about your home loan choices.

Our powerful combination of cutting-edge technology and extensive experience is your key to discovering ‘the perfect’ home loan from a selection of over 30 lenders and thousands of loan options.