Funding Assist

SMSF (Self-Managed Super Fund)

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What is SMSF?

SMSF (Self-Managed Super Fund) loans can help you invest in residential or commercial property if you don’t have the funds in your SMSF to buy an investment property outright.
The property is held in trust for the SMSF in a proper formal structure until the loan has been repaid.

These structures are arranged through accountants and solicitors with appropriate advice provided to explain the suitability. Once they have explained the pros and cons of investing
in this way, they may start the process which will enable you to apply for your SMSF loan.

SMSF loans are also known as Limited Recourse Borrowing Arrangements (LRBAs). This type
of loan is a limited recourse loan which means recovery of the debt is limited to the security
property and in the event of default, other super fund assets are not at risk.

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Features of SMSF

Flexibility

Available for new or existing funds in Principal and Interest or Interest Only. Split Loan option is also available.

Competitive rates

Available in variable rate or fixed rate. No mortgage insurance.

Tailored to your needs

Purchase or refinance your residential or commercial property up to 80%. Terms up to 30 years for Residential and commercial.

Our Client Reviews

Renee Lesa
★★★★★
Being a first home buyer can be stressful. Harmeet, took all that stress away by guiding us through every step of the way. She made both me and my partner feel so comfortable, and really made us understand everything we were signing and getting ourselves into throughout the whole process. Harmeet helped Me and my partner achieve one of our long term goals! Could not be any happier. I would definitely recommend Harmeet, she's a top notch broker.
Pridula Mudela
★★★★★
Dealing with Harmeet and Simar has been an absolute delight. As someone who has worked with mortgage consultants in the past, I can say with confidence that their service is unparalleled. They handled everything from the start of our engagement to the settlement, and I never had to follow up for updates. They made the entire process look effortless, and I am definitely coming back for their outstanding service.
Stephen Charles
★★★★★
I and my wife were introduced to Funding assist by a friend and when we called to inquire, we were able to find the help we were looking for. Harmeet started helping us with the process. We discovered that Harmeet was professional, friendly, supportive and hard working. Through her experience and expertise, our application was approved in a short period of time than we expected. We strongly recommend that if you are looking for someone to make you happy in the process, this is the right person. She never gives up until she brings a smile on your face. Thank you
Christine Lamwaka
★★★★★
Harmeet has been very helpful from the start to the finishing line. It was my first time experience as this is my first home. My instinct made me trust her from the beginning. She was very professional, loving and responsive in all her dealings with me. Harmeet offered me all available options. At-large the whole team were very helpful and they understands people's circumstances are different and they tailored their services to individual's circumstance. Big thank you to Simar Singh too my initial contact. Well done Harmeet.
Jennifer M
★★★★★
There's not enough stars to give Harmeet and her team of superstars! Exceptional service, fabulous result! Harmeet provided a solution that enabled us to transition our home into an investment property (with our bank's proposal we needed to sell) and buy our new home without a bridging loan. All this within an impossibly tight timeline (at every turn we were told what we were attempting time wise couldn't be done). Harmeet worked tirelessly to get us across the line, and all with a fabulous smile! The long term benefits of keeping our other home will be reaped for years to come. Hugely happy and would highly recommend (though go early in the process not somewhere near the end like we did). Truly outstanding service. Thank you!
Vennela Thottempudi
★★★★★
We met Harmeet when we were In desperate need of a good broker, and she definitely proved to be the best. The whole process of buying a home can sometimes be a daunting task, but she always made sure that we are happy, aware of complete details and made sure everything went smooth. I highly recommend her to anyone who is looking for their first home. Once again, Thank you so much Harmeet and team for making our dream come true.
Paul Sabato
★★★★★
Harmeet at Funding Assist has been an incredible help with mortgage queries and refinancing. I can always count on Harmeet to find me the best deal and to help save me money. I've been a customer of Funding Assist for a couple of years and throughout this time have refinanced as well as purchased a property. If you are looking for the service of a person who: - Is understanding Has a good attention to detail (Harmeet has even spotted errors the bank has made) Is quick to respond - Is hard working - Is knowledgeable Is able to give great advice I recommend you get in touch with Harmeet. I will definitely be contacting her next time I need to refinance or take out a new loan.

Self-Managed Super Funds FAQ’s

A: An SMSF loan is a home loan used by a Self-Managed Super Fund (SMSF) to buy investment property. The returns on the investment – whether that’s rental income or capital gains – are funneled back into the super fund, increasing your retirement savings.
A: SMSF loans generally allow up to 80% leverage and 30-year terms, with up to five years of interest-only repayments. The minimum loan amount is $150,000 subject to lender approval of the property and borrowing capacity of the fund.
A: Your SMSF can purchase a retirement home either outright (if it has the funds) or by borrowing from a lender. If the fund needs to borrow, the loan must be a limited recourse loan. This means that if the property investment fails, the other assets in the SMSF are protected from creditors.
A: While you can’t purchase a property to live in with your SMSF while you’re still working, you can however purchase a home which you can live in when you are fully retired. This means that your SMSF can purchase an investment property, which you’d eventually like to live in and rent it out until you retire.
A: To set up an SMSF you need to consider appointing professionals to help you.