Superannuation Loans

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    Take your Self-Managed Super Funds (SMSF) borrowing options to the next level with finance from Australian Securities. Achieve your financial goals with loans to facilitate property acquisitions and build your super fund investment portfolios.

    Fast loan approvals

    Quicker turnaround time than major banks with indicative offers issued within 24 hours.

    Low finance fees

    Loans have low-cost set-up fees and competitive lending rates, making them a great option for growing wealth.

    Flexible interest options

    We offer competitive interest terms, including the choice of fixed or variable interest for terms up to 5 years.

    The basics

    Property investments subject to a mortgage can be included as an asset to a fund. Earnings on the fund are taxed at 15% compared to the minimum marginal rate of 30%, and Capital gains will be taxed at 10% or 15 %, not the minimum marginal rate of 30%. Australian Securities does not know your financial circumstances, we recommend you consult with your finance/tax agent.

    Features and benefits

    Not restrictive

    There is no limitation on the appointment of trustees of the fund holding the asset.

    Flexible repayment terms

    Borrowers have the right to repay after 12 months.

    Securitised Lending

    Australian Securities offer lending solutions on several security types. If you have the right security, we can make any loan work for you.
    About Security Options

    Requirements

    The property must only be used for retirement funding (sole purpose test). The property must be held in a trust, and the super fund must be the sole beneficiary. The trustee does not need to be a professional trustee company or lender-controlled trust. The lender has no recourse against other assets of the super fund. There is a 60% maximum Loan to Valuation ratio (lower than the market value or the capitalised rental value of the property). A Financial Planner Certificate and/or Cash flow statement from the Trust is required to demonstrate positive or neutral gearing of the loan without relying on the super fund. Personal guarantees from the individuals who are the Fund Members may be required.

    Apply now

    As a leading provider of tailored loan solutions, we start by assessing your borrowing needs quickly. We do this to ensure we are able to meet your lending requirements without needlessly wasting your time. The forms below will klck start the process, simply complete the online form or the application form and email It to [email protected].

    Have questions? Call us on 1300 275 275 and talk directly to the Finance Manager or a Lending executive.

    Apply Online
    Download app form

    Your questions answered

    Don’t see your question below. We’re happy to answer any questions you may have. Contact us online or call us on 1300 275 275. We don’t have call centres. You’ll talk directly to investment managers or executives, when you call.
    Yes, we provide SMSF lending to borrow for property(s). However, the property must only be used for retirement funding (sole purpose test).
    Yes, you can select a number of repayment options to discharge or partially discharge with no ‘early break costs’ (penalty) if the repayment option is chosen during your application.
    Borrowers do not need to worry about a credit squeeze when they borrow from Australian Securities, as finance is provided privately by Australians and not wholesale money markets.
    We will immediately indicate whether we can meet your lending requirements—conditional approval is given within 24 hours. Our usual time frame to turn around from application to settlement is 10 days, subject to a valuation, Quantity Surveyor and all information being readily available by the borrower.
    We use a certified independent valuation agent to value the security for each loan.