Growing your wealth through your Self-Managed Super Fund? We’ll help you finance property strategically within your SMSF, ensuring your investments align with your long-term retirement goals.
Looking to leverage your Self-Managed Super Fund (SMSF) to invest in property or commercial assets? Our SMSF Lending service helps you navigate the complex borrowing rules, secure the right loan structure, and optimize your SMSF investment strategy for growth and compliance.
SMSF loans require tailored financial products and expert guidance to comply with strict regulations such as the limited recourse borrowing arrangement (LRBA) rules. We assist in structuring loans that protect your fund’s other assets while enabling you to acquire a single investment property or commercial asset, keeping your SMSF compliant with Australian Taxation Office (ATO) requirements.
Our team ensures that your SMSF borrowing aligns with your super fund’s investment strategy and trust deed provisions. We help prepare all necessary documentation, including trust deeds, financial statements, and loan contracts, to meet legal and regulatory standards. Proper compliance protects your fund and maximizes long-term tax advantages.
With the right SMSF loan, you can access capital to expand your property portfolio, diversify investments, and build retirement wealth. We guide you through the eligibility criteria, borrowing limits, and ongoing obligations such as servicing the loan from rental income or contributions, to ensure your investment is sustainable and aligned with your retirement goals.
Managing an SMSF loan requires ongoing review and adjustments based on market conditions and fund performance. We provide continuous support and advice to help you manage repayments, optimize cash flows, and adapt your investment strategy over time, keeping your SMSF on track for long-term success.
Your borrowing power depends on your income, expenses, debts, and deposit size. At Crown Money SA, we not only calculate what you can borrow, we help you understand what you should borrow to stay financially comfortable and reach your goals faster.
Yes! Many clients use built-up equity in their current home to purchase an investment property or upgrade. We’ll help you structure your loans smartly so you grow your wealth without over-stretching your cash flow.
Most lenders require 10–20% of the purchase price, though this can vary depending on your situation. We can also explore low-deposit options and guarantor structures to help you get into the market sooner.
Absolutely. Refinancing can reduce your interest rate, consolidate debt, or free up equity for renovations or investments. We also review your loan structure to ensure your repayments are working to reduce your debt faster, not just maintain it.
Generally, you’ll need recent payslips or tax returns, ID, bank statements, and details of any current debts or assets. We’ll provide a simple checklist and guide you through the process step-by-step.
Pre-approval timeframes vary by lender, but most applications take 3-10 business days, depending on how quickly supporting documents are provided and how busy the lender is. Full approval usually follows once your property is confirmed. Our team keeps the process moving and communicates with you every step of the way.
Unlike traditional brokers, we don’t stop once your loan settles. We offer ongoing coaching, accountability, and annual reviews to help you pay off your home in record time, often within 12–15 years instead of 30.
Rental income can help you qualify for a higher loan amount, while tax deductions (like interest and depreciation) can improve your cash flow. We’ll show you how to structure your investment loans to maximise these benefits safely.
An investment loan is designed for properties you rent out, not live in. Lenders assess them differently, often with slightly higher rates. We’ll help you choose the right setup so your investment supports your long-term wealth strategy.
