Investment loans & SMSF loans

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Investment loans & SMSF loans

Are you looking to make your money work harder for you by investing in property?

If you’re considering taking out an investment home loan or refinancing an existing loan to invest in property, either as a private investor or through your self-managed super fund (SMSF), Mates Rates Mortgage Brokers is here to help.

We’ll compare a wide range of lenders and rates to find the best investment loan for you, save you time and hassle at every stage of the application process and then we’ll reward you with cash back for the entire life of your investment loan.

We don’t charge you a fee for our mortgage broking services and you’ll get the same interest rate as you’d receive directly from the lender.

Find out more about how our SMSF and investment home loan process works or take a look at how much you can save with a Mates Rates Mortgage Brokers cash back investment loan.

The differences between self-managed super fund (SMSF) loans and investor property loans

Although SMSF loans and investor property loans are both a type of loan used to purchase an investment property – as opposed an owner-occupied loan for a property that will be your primary residence – there are some crucial differences between these types of loans.

With a self-managed super fund (SMSF) loan, any returns on the investment – both rental income and capital gains – must be returned to the super fund to help boost the capital of the super fund.

Also, any property purchased through a SMSF loan cannot be purchased from, lived in or rented out to a member of that SMSF or any of their related parties, unless it’s a commercial premise which can be leased to a fund member to use for their business at the market rate.

An investor property loan does not have the same restrictions as an SMSF loan and it can be used to invest in land, houses, apartments or commercial property. You can earn income through rent and there are no restrictions as to who can rent the property too.

How to get the best deal on your SMSF loan or investor home loan

Both SMSF loans and investor property loans can be harder to obtain as many banks and lenders do not offer these types of loan, so there are fewer lenders to choose from. These loans also come with higher interest rates, strict rules and tax implications.

However, many lenders who offer SMSF loans and investment property loans usually offer a choice of a fixed or variable interest rate, oan terms of up to 30 years, and sometimes they’ll even give you the option of interest-only repayments for part of your loan term.

When you take out a Mates Rates Mortgage Brokers SMSF loan or investor property loan it’s the same loan, from the same lender, at the same interest rate, with all the same package features – the only difference is, we pay cash back to you, every single month!

Now that’s a smart investment strategy!

Why use a Mates Rates Cash-Back Mortgage?

Cash-Back Payment

Save thousands of dollars over the life of your home loan with our monthly cash back payments.

Free Service

We don’t charge you for our services – our “fee” is taken from the upfront commission we receive from the lender, instead of from your pocket.

Best Deal For You

Our Lender Commission Leveller ensures no home loan lender is left out of consideration because we are always paid the same amount, regardless of the lender’s commission percentage.

Best Home Loan Rates

We offer the same great rates and deals as you would receive when going direct to the lenders.

Expert Advice

Our expert brokers save you time and money as they guide you and help you through the entire loan process.

Wide Choice Of Lenders

We compare thousands of loans and rates from more than 45 banks and other home loan lenders.

To find out more about taking out a SMSF loan or an investment property loan without the hassle and stress, getting a better deal on your investment  loan with Cash-Back every single month of your home loan, give us a call on 1300 558 161, email our team at info@matesratesmortgages.com.au or enquire online.

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Frequently Asked Questions

Yes, you can use your super to buy a property, however you’ll need to set up a Self Managed Super Fund (SMSF) to do this.

A limited recourse borrowing arrangement (LRBA) occurs when an SMSF trustee takes out a loan from a bank or another type of third-party lender to purchase an asset to be held in a separate trust.

Limited recourse borrowing arrangements are the way you can borrow money to invest in a residential or commercial property through your SMSF or gearing your super into property and it involves very strict borrowing conditions.

Depending on the lender, they’ll usually require a loan-to-value ratio (LVR) of 80% for a residential property, which means you’ll need to provide a 20% deposit.

If you have built up quite a bit of equity in your property you might be able to use this equity as a deposit. It will depend on your lender and on how much equity you have in your home.

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