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Beyond the Banks SMSF loan    


Loan Characteristics

The SMSF Investment Loan is aimed at those looking for simplicity and flexibility with their SMSF residential property investment. The SMSF Investment Home Loan comes with a 100% offset account for tenant payments. This loan is perfect for SMSF property Investors.

Maximum Loan size - Single security up to $750,000 — Maximum Exposure $1,000,000

Loan purpose - To purchase or refinance a Residential property for Investment.

Maximum loan term - 30 years

Loan to Value Ratios - Metro and Non Metro up to 75%, Inner City — 70% and Regional — 60%

Repayment basis - P & I, or Interest Only. IO not available over 70% LVR (add 1% to the rate)

Maximum Interest only term  - 5 years.

Credit History - Clear Credit History only.

Split Loans - Available. Split your loan into more than one portion.

Repayment Frequency - Weekly, Fortnightly and Monthly, Monthly on Interest only.

Voluntary repayments - Extra repayments can be made at any time without penalty, no re- draw available.

Offset available - Yes, 100% offset available. 

Transaction fees for Offset - Free unlimited transactions.

Security - Houses, Townhouses, Apartments, Units (including Off the Plan purchases) supported by a Limited recourse loan which complies with all of the relevant legislative requirements. Property must be a minimum of 45 sqm excluding Balconies and car spaces.

Income Assessment - Serviceability is calculated as follows: 100% of SGC contributions for all Trustees, plus 80% of the rental income less an allowance of $4000 for running costs for the SMSF.


Liquidity requirements - Net assets $120,000, minimum of 7.5% of the loan remaining in the fund after settlement.

Independent Legal and Financial Advice - Required for all applications.


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