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Services
Services
Most SMSF trustees who come to us have already done their research. They understand the concept of a limited recourse borrowing arrangement. What they often do not have is a broker who knows which lenders are genuinely active in this space, what those lenders actually require and how to present the application in a way that moves efficiently through to approval.
That specialist knowledge is what we bring.
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We help SMSF trustees looking to purchase property through their fund with every part of the lending process, including:
An SMSF cannot take out a standard mortgage. Instead it uses a limited recourse borrowing arrangement, or LRBA, which is a specific legal structure where the property is held in a separate bare trust until the loan is fully repaid. The lender's recourse in the event of default is limited to the asset being purchased, protecting the other assets held in the fund.
This structure adds legal complexity and cost to the transaction. It also requires your SMSF to have sufficient liquidity after the purchase to meet ongoing compliance obligations and contribution requirements. We work through all of this with you before any application is submitted.
SMSF property lending is not the right strategy for every fund or every trustee. Before recommending it, we consider:
We work alongside your existing advisors rather than across them. If SMSF property lending is not right for your situation, we will tell you clearly and early.
Business owners have a specific advantage when it comes to SMSF property. A fund can purchase the commercial premises the business operates from, with the business paying rent to the fund at market rates. This keeps the asset inside super, generates income for the fund and builds equity over time in a tax-effective environment.
SMSF commercial property loans have their own lender requirements and documentation. We structure these transactions regularly for business owners across the South Coast.
We are a locally owned mortgage broker based in Berry. SMSF lending is a specialist area and we treat it as one. We work closely with your accountant, financial planner and SMSF administrator to make sure every part of the transaction is structured correctly and that nothing falls through the gaps between advisors.
Many of our SMSF clients came to us first as property investors or home loan clients. That existing knowledge of their financial position means we can move through the SMSF process more efficiently and with greater confidence on both sides.
“Ron and his team have been incredibly efficient and so easy to deal with. We had our loan approved in less than 2 weeks from start to finish and the money is already in our account from the bank. The process was simple and streamlined. Nothing was a hassle. Thanks so much Ron and team! I can't recommend these guys enough!”
“Ron and Josie and the team are Shorebreak have really been excellent throughout my property buying process. They are really genuine, get things done fast and are always quick and easy to communicate with. They got me a great result with my loan. Highly recommend.”
“I would like to commend Chris on all his hard work and effort making this loan possible for me. He went above and beyond to help in every way he could and I am very grateful. He kept me informed every step of the way and made the process as smooth as possible. 5 stars would not be enough for the magnificent job he did. I would recommend Chris 100% anytime.”
This is not a decision to make quickly. Start with a coffee and we will give you an honest assessment of whether it makes sense for your fund and your situation.
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