Managing your self-managed super fund’s investments can be complicated. At Cinch Loans, we specialise in SMSF loans, helping Australians unlock their super’s potential to invest in property with confidence. Our expert team is here to make your SMSF loan journey simple and stress-free.
Personalised, expert guidance
Hassle-free experience
Access competitive rates and loan structures from over 40 lenders, tailored to your needs and negotiated by our trusted experts
“I recently purchased a property through Cinch Loans, and I can't express enough how grateful I am for the incredible support from Arnab and Rahul. Navigating the loan process with a newly established SMSF in a different state was daunting, but their expertise made it manageable. ... I highly recommend Cinch Loans and their fantastic team!”
Gourav Agrawal, first time investing through SMSF
An SMSF loan allows your Self-Managed Super Fund to borrow money to purchase investment properties, such as residential or commercial real estate. This strategy can diversify your retirement portfolio and potentially enhance returns.
Book an appointment for expert guidance.
SMSF loans operate under a Limited Recourse Borrowing Arrangement (LRBA), where the lender's recourse is limited to the asset purchased. This means if the SMSF defaults, the lender cannot claim other assets within the fund.
Book an appointment to find out your SMSF's borrowing power and explore financing options.
Leverage: Enhance your investment capacity by borrowing funds.
Tax Efficiency: Potential tax benefits within the superannuation environment.
Asset Control: Directly manage and control your investment properties.
Yes, there are specific restrictions, such as those listed below.
Book an appointment for expert, personalised support.
The borrowing capacity depends on factors like the fund's income, existing assets, and the lender's criteria. Typically, SMSFs can borrow up to 80% of the property's value for residential properties and up to 75% for commercial properties.
Here are some examples:
Consult your financial advisor, for specific, personalised guidance.
Yes, your ongoing obligations include:
At Cinch Loans, we specialise in SMSF lending and offer:
Our process is quick and easy, while always ensuring you tap into our expertise and lender relationships to access better rates and make sure you get the right solution for your specific needs.
Start by talking to a Cinch Loans expert, who will listen to your needs and start exploring options with you.
You fill out our online form and get your docs ready.
We figure out your likely borrowing capacity, shop around lenders and discuss your options in more depth with you.
Once you're ready, we apply, and make the application to settlement process a breeze, including helping set up your new loan.
When buying a property through SMSF, you'll likely incur accounting, loan application, valuation, legal, and settlement fees. Our services are paid by whichever lender you choose, so that's one less to worry about 😍.
To understand the total costs for your loan, talk to our experts.
That's simple! Just book an appointment and talk to our experts.
