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 11 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.

Ready to chat to one of our team?

Book an Appointment

Our Recent Reviews

Danny has consistently demonstrated professionalism, expertise, and a strong commitment to client service. His ability to provide tailored financial solutions, coupled with their deep industry knowledge, makes him a trusted advisor. I highly recommend him for anyone seeking strategic and efficient assistance.

N M

We had an excellent experience working with Danny! From start to finish, he made the process smooth and hassle-free. Danny was professional, knowledgeable, and kept us both informed every step of the way, which gave us peace of mind. What ...

Kat Donev

Danny at Traj Finance provided an outstanding experience from start to finish. He is incredibly thorough, organised, and knowledgeable, always staying one step ahead by identifying potential challenges and putting solutions in place before ...

Mark Berthelsen

Danny is hands down the most knowledgeable and outcomes oriented broker I've ever dealt with. Very attentive and timely. He also knows the strengths and weaknesses of all the lenders out there. I will never work with anyone else again, do yourself a favour and get in touch with him now.

Mirko Risteski

Frequently Asked Questions

How is Traj Finance different from other brokers?

With over a decade of experience in private and premier banking, Danny Trajcevski brings a deep understanding of the unique needs of high-net worth Australians. As a successful property investor with an impressive property portfolio himself, Danny has firsthand experience in using property as a vehicle for wealth creation. This experience has allowed him to retire from his PAYG income early, and transition into helping like-minded individuals achieve their property aspirations, making Traj Finance uniquely positioned to assist high-net worth Australians in growing their wealth.

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.

Request a Call Back

Name

Phone Number

Email Address

Contact

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.