Commercial SMSF Loans - Mortgage Broker helping clients Australia-wide

Commercial SMSF Loans

Purchase a commercial investment property in your super with an SMSF Loan

5.0

from 4 Reviews

Commercial SMSF Loans Header Photo for Traj Finance

Leverage your SMSF to buy commercial property

At Traj Finance, we understand the complexities around commercial SMSF Loans and the unique financial opportunities they present for Australians looking to invest in commercial property. As expert Finance & Mortgage Brokers, we offer guidance in accessing a variety of Commercial SMSF Loan options from banks and lenders across Australia. Whether you're planning to use your super to buy a commercial investment property or expand your investment property portfolio, we tailor our services to suit your financial goals while ensuring you navigate through interest rates, credit history checks, and the loan application process smoothly.

When considering a commercial SMSF Loan, understanding the terms and conditions is essential. Interest rates can vary widely depending on the type of loan chosen, whether it is a variable interest rate or fixed interest rate. The SMSF Loan Interest Rate can significantly affect your repayments, thus it’s important to evaluate both options carefully. Restrictions apply to borrowing through a Self-Managed Super Fund, including criteria like loan to value ratio (LVR) and borrowing capacity, which are influenced by your financial situation and credit history. Our brokers work closely with clients to assess eligibility, advising on how best to enhance borrowing power while potentially benefiting from interest rate discounts.

Calculating your SMSF Loan repayments involves more than simply looking at interest rates. Factors including the loan amount, capital gains, and rental payments contribute to your overall financial commitments. By presenting a well-prepared SMSF Loan application with thorough documentation, such as a certified copy of the SMSF Trust Deed, the Custodian Trust Deed, and financial statements, you improve your chances of approval. Moreover, banks will typically require SMSF bank statements and a copy of the contract of sale for the investment property. Understanding these requirements is crucial to a streamlined application process, which we guide you through at every step.

With property markets across Australia presenting diverse opportunities, having support in buying a commercial property becomes invaluable. While stamp duty and other associated costs can impact your financial strategy, our finance and mortgage solutions aim to equip you with the necessary knowledge and access to SMSF Loans for commercial property, whether it’s involving non-specialised commercial properties or specific sectors. Our expert brokers can demystify the application process, help you with strategic planning, and ensure you're prepared for every eventuality in the commercial property landscape.

In choosing Traj Finance, you are opting for a partner committed to helping you achieve your investment aspirations. Our comprehensive approach to finance services not only aids in obtaining Commercial SMSF Loans but also ensures your financial needs align with market conditions and legal frameworks. To help you get started on applying for a Commercial SMSF Loan, discuss your financial goals with us today and explore the opportunities up for grabs in Australia’s commercial property sector.

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Our Recent Reviews

I had an exceptional experience with Danny from Traj Finance. From the very beginning, he was professional, knowledgeable, and incredibly responsive. He took the time to understand my needs and provided tailored advice that truly made a difference. I have several complex loans which I have found other brokers from other companies find “too hard to deal with”. However Danny’s specialised expertise and dedication ensured a smooth and stress-free process for me which I appreciate. I highly recommend Danny and the Traj Finance team to anyone looking for a reliable and trustworthy broker. Thank you for your outstanding service. I’m very happy to have found my new broker!!

Emily H

Attentive, diligent, and timely with great communication throughout each step of the way. Very well informed with respect to the pros and cons of each lender. He will be an asset to anybody whether they are starting out or looking to scale to new heights.

Mirko Risteski

I had the pleasure of working with Danny, and I couldn’t be happier with the experience. From start to finish, Danny made the entire process easy and seamless. He was incredibly professional and knowledgeable, ensuring I was well-informed every step of the way. His expertise gave me peace of mind, knowing I was in good hands. What stood out the most was how he kept me updated throughout the whole process, so there were never any surprises. I’ve already recommended Danny to my family and friends, and I wouldn’t hesitate to work with him again in the future!

Katerina Donev

Danny made the whole process so seamless and hassle free. His knowledge and expertise really helped guide me in the right direction and truly understand what was happening step by step throughout the whole process. I cannot thank Danny enough for his help, I will only be using his services moving forward and have referred all my friends and family!

Aleksandar Stojcev

Frequently Asked Questions

What does a broker do?

A broker serves as your personal finance expert, taking the time to understand your borrowing ambitions and figuring out how much you’re eligible to borrow. They offer a bespoke service that’s often more tailored than what you’d get directly from a lender. With a range of loans from various lenders at their fingertips, they’re well-equipped to hunt down the most favourable loan terms that are specifically suited to your individual circumstances.mending the best Home Loans for our clients.

Do you charge fees for home or investment loans?

When you secure a loan through a broker, you won’t face any additional loan repayments or charges. The broker earns a commission from the lender for bringing in new customers, but this has no impact on your interest rate or any other terms of your loan agreement.

Is it more expensive to use a broker?

You won’t have to pay for the services of a broker as they receive their compensation from the lender. Brokers have a vast selection of loan options from numerous lenders at their disposal, ensuring they can locate the perfect loan that fits your specific needs. They typically aim to secure the lowest rate possible while also considering the loan features that best suit your situation.

However, be aware that some brokers might charge a service fee, but they are required to inform you of any such fees upfront before they begin providing their services.

How much can I borrow?

Although our borrowing calculator offers a good estimate of the amount you could potentially borrow, for a more accurate evaluation, we encourage you to contact our team. We’ll discuss your specific situation in greater detail and explore the various options available to you.

Should I go for a fixed or variable rate?

Variable-rate home loans are exactly what they sound like – their interest rates can go up or down over time. This type of loan usually offers more flexibility, including the ability to make extra payments or access a redraw facility, but it means your repayment amounts can vary.

Conversely, fixed-rate home loans lock in your monthly payments, so you’ll always know precisely what you’re paying each month for the life of the loan. They tend not to offer as many features but provide stability for your budgeting.

Deciding between the two comes down to what you value more: the flexibility to adapt your loan to changing circumstances or the security of knowing your repayments will stay the same.

Which lenders do you work with?

Thanks to our partnership with a mortgage aggregator, we have access to a diverse range of loan options from over 40 lenders. This extensive network enables us to present you with a variety of suitable choices tailored to your unique needs and circumstances.

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Bundoora, VIC

0403 567 301

Traj Finance Pty Ltd ABN: 55 675 457 495. Credit Representative #558243 is authorised under Australian Credit License #384704

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.