LOW DOC RESIDENTIAL SMSF LOAN

View product matrix below then click on apply if you wish to qualify for this loan and receive a detailed assessment and full cost proposal.

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Low Doc Self Managed Superfund Loans for Residential Properties
There are significant rules and regulations in place to govern the management of your superannuation in order to protect your retirement savings. Until recently for instance it was not possible for a superfund to borrow funds for investment purposes. This ban has now been lifted and superfunds, including self managed superfunds, are able to borrow money to directly purchase real estate or shares in order to further the investment portfolio of the fund.

  • 75% loan to value ratio (LVR) on residential investment properties
  • No minimum balance in the super fund
  • Some credit impairment accepted
Loan purpose Investment Purposes Only
Loan term 1 > 30 years.
Interest type Variable rate.
Repayment type Principal & interest, or interest-only up to 5 years then principal & interest.
Repayment options Monthly, fortnightly or weekly.
Repayment method Direct debit only.
Maximum Loan to 75% LVR (Off the Plan 70% LVR)
Credit history Past credit impairment can be considered at higher rates and fees
Minimum loan size $100,000
Maximum loan sizes $1,000,000
Acceptable Grantors All adult members and associated trusts.
Minimum Equity No minimum net asset requirements. We recommend that you seek independent financial advice
Serviceability Acceptable income may include superannuation contributions and any SMSF income [rental income is acceptable at 85%).
Income Verification Documentation required to verify income for all SMSF members. Self-employed members without tax returns can have income certified by either Accountant, 6 months of lodged BAS.
Existing SMSF Where an SMSF already exists, constituent documents will also be required.
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*Interest Rates: All rates are subject to change without notice. Please check all rates and terms before applying.
Low Doc loans are designed for the self-employed or small company borrower/s whose financial statements may not be available. Reasons for this may encompass: Their accountant hasn’t completed and lodged their financials.