SMSF lending
Gain control and build wealth, invest in property through your superannuation with our SMSF loan expertise.
Buying property through a Self-Managed Super Fund (SMSF) requires a specialised loan structure and strict compliance with superannuation rules. CastleKey Mortgages works with Gold Coast clients to arrange SMSF loans that meet lender and regulatory requirements. Whether you’re investing in residential or commercial property, we guide you through the process from start to finish—so your fund stays compliant and your investment strategy stays on track.
Maximise your investment with an SMSF loan
Key Features:
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SMSF Loan Structuring
We help set up limited recourse borrowing arrangements (LRBA) in line with ATO guidelines. -
Access to SMSF-Friendly Lenders
Compare lenders offering competitive SMSF loan rates and terms. -
Compliance Support
Ensure your loan and property purchase meet superannuation and tax rules. -
End-to-End Guidance
From documentation to settlement, we coordinate with your accountant and solicitor for a smooth
Considerations:
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Minimum Fund Balance
Most lenders require a minimum SMSF balance before approving a loan—plan ahead. -
Loan-to-Value Ratio (LVR)
SMSF loans often have stricter LVR limits (commonly 70–80%) compared to standard home loans. -
Property Restrictions
SMSF rules prohibit certain property uses (e.g., living in the property)—understand what’s allowed. -
Costs & Fees
SMSF loans can involve higher interest rates and setup costs—factor these into your investment strategy.
Role of a Broker
As a broker, we provide guidance and support , helping to demystify the home-buying process. Our services include:
- Market Knowledge: We offer insights into the latest loan products from a range of lenders, ensuring you’re aware of all available options.
- Personalised Service: By understanding your specific needs and financial capacity, we can identify loan solutions that align with your goals.
- Application Process: We assist in preparing and lodging your loan application, ensuring all necessary documentation is in order and compliance with lender requirements is met.
- Communication: We act as the point of contact between you and lenders, managing negotiations and correspondence to streamline the approval process.
- Ongoing Support: From pre-approval to settlement, we provide continuous assistance, answering questions and offering guidance throughout your finance journey.
If you’re ready to take the next step, please reach out to our team today.
