01
Nov 2025
SMSF Home Loans in Australia: 2024 Guide to Structure, Compliance & Winning Borrowing Strategies
Curious about using your self-managed super fund (SMSF) to invest in property? Uncover the latest SMSF home loan structures, recent lender trends, and vital compliance tips for Australians in 2024. Start your journey to smarter property investing and learn how to avoid costly missteps. Key Takeaways Top 5 things to keep in mind when applying for a loan pre-approval Multi-lender strategies are crucial for competitive...
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16
Oct 2025Is an SMSF Home Loan Right for You in 2025? What Australian Investors Need to Know Now
Thinking of using your super to invest in property? Discover how SMSF home loans work, what’s changing in 2025, the true costs involved, and how to navigate tight regulations to build long-term wealth with expert guidance. Key Takeaways Avoid common mistakes when purchasing an investment property to protect your SMSF and maximise returns. Understand how the loan-to-value ratio (LVR) impacts your SMSF loan approval and...
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16
Oct 2025SMSF Home Loans in Australia: Unlocking Structure, Compliance & Winning Strategies for 2025-2026
Keen to learn about buying a property in SMSF? Dive into expert guidance on bare trusts, limited recourse borrowing arrangements, ATO compliance trends, and how to align your SMSF with a successful retirement strategy in 2025-2026. Key Takeaways Avoid key mistakes when buying an investment property under your SMSF to maximise returns and ensure compliance. Understand the pros and cons of interest-only home loans compared...
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21
Sep 2025How Limited Recourse Borrowing Works & What to Watch Out For?
Thinking about using your SMSF to buy property? Discover how limited recourse borrowing protects your super, why specialist lenders are taking over the SMSF loan market in 2025, and the key risks every trustee should know before making a move. Key Takeaways Limited Recourse Borrowing (LRBA) lets your SMSF invest in property while protecting other fund assets from loan default risks. SMSF property loans require...
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16
Sep 2025SMSF Home Loans & Property Investment in 2025: How LRBAs, Lender Trends, and New Strategies Shape Your Super
Curious about leveraging your super for property investment? Unpack how SMSF home loans work, why banks are stepping back, and how you can stay compliant while maximising your wealth. Explore the latest lending trends and innovative property strategies to take control of your financial future. Key Takeaways SMSF property loans use Limited Recourse Borrowing Arrangements (LRBAs) to safeguard your super by limiting lender claims solely...
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26
May 2023
Key risks for buyers when purchasing a property in an Auction
Auctions are a great approach for sellers to fully maximize their selling price for their property. The competitive nature of an auction can lead to people to bid higher then they initially wanted to, which results in a higher selling price. This is seen to be great for sellers, the buyers need to be careful as there are risks involved when purchasing property through an...
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16
May 2023Going for an auction? Here are top 5 things you must do before you bid
The purchase of property in auctions is a great way to buy a property, but it comes with its own set of challenges and risks. Here are some of the key things that buyers need to be mindful and careful of when buying property in auction in Australia. Do your research: Before even taking the step to bid on the property, make sure to have...
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10
May 2023What finance options are available for Businesses?
Business finance in the Australian market refers to the various financial products and services that are available to businesses in Australia to help them manage their cash flow, invest in growth, and manage risk. Some of the most common types of business finance available in the Australian market include: Business loans: These are loans that businesses can use to invest in growth, purchase equipment or...
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08
May 2023(Loan to Value ratio) LVR and its impact on the interest rate
Loan-to-value ratio (LVR) is a measure of the amount of a loan compared to the value of the property that it is being used to purchase or refinance. It is calculated by dividing the loan amount by the value of the property. For example, if you are borrowing $500,000 against a property valued at $600,000, the LVR would be 80% (500,000 / 600,000). Banks use...
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06
May 2023What is a low doc loan?
A low doc loan, also known as a low documentation loan, is a type of loan that is specially designed for self-employed individuals or small business owners who may be challenged in providing the traditional documentation, such as tax returns to prove their income. Instead of requiring a full set of financial documents, low doc loans typically only require a borrower to provide proof of...
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30
Apr 2023Lawyer vs Conveyancer – Who should you go for and what is the difference?
When it comes to property settlement, a buyer can choose between using a lawyer or a conveyancer. Both professionals can assist with the legal and administrative tasks involved in property settlement, but they have different qualifications and areas of expertise. A lawyer is a qualified legal professional who can provide advice on legal issues related to the purchase, such as contract review and drafting, and...
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21
Apr 2023Top 10 tips for Self Employed applicants looking for a loan
Here are some key tips for self-employed individuals looking to apply for a home loan: Gather your financial documentation: Self-employed individuals will need to provide more financial documentation than salaried employees. This may include tax returns, profit and loss statements, and a balance sheet. Show a consistent income: Lenders will want to see that you have a consistent income over time. Self-employed individuals should be...
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20
Apr 2023How to pay your home loan quicker?
Paying off a home loan quickly can help you save money on interest and become mortgage-free sooner. Here are a few strategies that can help you pay off your home loan quicker: Make extra payments: Making extra payments towards your home loan can help you pay off the loan sooner. This could be done by increasing your regular payments, making lump sum payments, or by...
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14
Apr 2023Good debt vs Bad debt
Good debt and bad debt refer to the characteristics of different types of debt and how they impact an individual’s financial situation. Good debt is debt that is considered to be beneficial to the borrower in the long term. This type of debt is typically used to make investments or make purchases that will generate income or appreciate in value over time. Examples of good...
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12
Apr 2023How to improve your credit score in Australia?
There are several steps you can take to improve your credit score in Australia: Check your credit report: Make sure that all the information on your credit report is accurate. Dispute any errors with the credit reporting agency. Pay bills on time: Late payments can have a significant negative impact on your credit score. Be sure to pay all bills on time. Limit new credit...
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06
Apr 2023Holding cost of a property
For the new entrants in the property, ongoing cost for owning their own home or an investment property is always a concern. Whilst mortgage is generally the biggest cost element in most cases, there are other holding costs one needs to keep in mind during the planning process. The holding cost of a residential property in Australia can vary depending on several factors, including the...
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29
Mar 2023Apartments, Townhouses and Houses
When you are new in the property market, the choice between investing in apartments, townhouses, and houses can be very confusing. In the Australian real estate market the preference will depend on a variety of factors, including personal taste, budget, and investment goals. Apartments are typically more affordable than houses, and they often require less maintenance and upkeep. They also tend to have lower vacancy...
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23
Mar 2023Land Subdivision
Subdividing your home to build another townhouse can be a complex process that involves several steps. If you haven’t done it before and are starting new here is a general overview of the process: Research local zoning laws and regulations: Before proceeding with the process, it’s important to research local zoning laws and regulations to ensure that the property is zoned for the type of...
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18
Mar 2023Lenders Mortgage Insurance
Lenders Mortgage Insurance (LMI) is an insurance policy that protects the lender in case the borrower defaults on their loan. In Australia, you may have to pay LMI if you are borrowing more than 80% of the property value or if you have a poor credit score. Here are a few ways to save on LMI: Make a larger down payment: One of the easiest...
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08
Mar 2023NDIS
Special Disability Accommodation (SDA) properties are specifically designed and built to meet the needs of people with disabilities, and are funded by the National Disability Insurance Scheme (NDIS) in Australia. Investment in NDIS SDA properties can have both pros and cons, including: Pros: High demand: There is a growing demand for SDA properties as more people with disabilities become eligible for NDIS funding. This...
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