SMSF Home Loans
Refinance with our full-featured SMSF from
6.97% p.a. Variable
6.97% p.a.* Comparison
Funded and managed by
Kurt was excellent to deal with. Great customer service, very helpful and experienced. One of the best rates on the market.
Exceptional customer service provided by Nick Freney in assisting us to navigate three separate loans. Wouldn’t hesitate in strongly recommending him to other prospect customers.
Just settled on my refinance with Vaughan at Reduce Home Loans. He made the process super easy and efficient. Was also great to be informed regularly throughout the entire process to put my mind at ease.Thanks 👍
We have been with Reduce Home Loans since 2015 and they've consistently secured the best rates and account features for us. This month we refinanced to a very competitive rate thanks to our Personal Finance Manager Connor.Connor provided us with helpful guidance and thoroughly answered all our questions. Everything was completed promptly and he was so responsive with our queries. The application process has also become much more streamlined and user friendly over the years.Thanks to Connor (and previously Rhyse) at Reduce Home Loans, we've been able to achieve our dream of having a home for our family. We highly recommend them for their personalised, exceptional service and expertise, as well as their broad product offering. Thanks again!
I have used Reduce Home Loans recently. I have dealt with Vaughan from Reduce Home Loans. I find Vaughan very helpful and easy to approach. I think they have great knowledge and great interest rates options and cash back offers. I will recommend to seek their advice for new home loans. Thanks, Dev
Kurt was phenomenal, very knowledgable, patient and communicative across the entire process. Can't recommend them highly enough.
Vaughan Enright has been an absolute pleasure to deal with. He is always extremely responsive and helpful, listens to my needs, and has been working with me to get the best he can. He has been reliable, getting back to me quickly, calling when he says he will (great timekeeper). Very happy with the experience as I initially called 3 or 4 months ago, he has been very informative from tyre kicking/semi serious stage to now at crunch time. Definitely recommend working with him.
I have used Reduce Home loans several times to refinance our loan. I cannot recommend them highly enough. They are extremely knowledgeable and have access to highly competetive interest rates. Their communication throughout the loan application process is excellent and it is very easy to get in touch with them when you need to. Definitely use Reduce!
Nick and the team never fail to impress and always achieve better than expected results. With a great network of lenders and products they always manage to deliver, keeping you well informed along the journey. Always know I am in capable hands and a achieving the best of what's out there.I cannot recommend Reduce highly enough. 11 out of 10! Keep up the good worm 👍
Prompt customer service and staightforward process. Access to great rates. Clear communication. Loan settled without problems and would definitely use them again.
We have been working with Reduce Home Loans for a few years now. We have done some refinancing of home loans and have applied for new home loans with Reduce Home Loans. Each and every time we managed to get some awesome deals, lowest variable rates available on the market. I highly recommend Reduce Home Loans. We will definitely use them again in future!!
Nick Freney, from reduced home loans, was fantastic. He made the whole process of refinancing my house loan, hassle free and also got me a great interest rate. I can't recommend Nick and his team highly enough.
Reduce were very easy to work with, and they got us the lowest variable rate on the market - which is saving us thousands each year.Highly recommend. We'll definitely go with them again in the future.
Overall, we are happy with our experience at Reduce. We moved from another non-bank lender, who wouldn't move our rate, despite their new owner rates being much lower, and our loans under what we originally borrowed. Nick and the team from Reduce were very easy to deal with, and our rate has been competitive since we started with them.
Just refinanced with Reduce Home Loans. Better interest rates, staff have been nothing but helpful and easy process. Can't ask for more!
I had a fantastic experience dealing with Reduce Home Loans who provided finance for my SMSF to purchase an investment property in July 22. I was particularly impressed with Bryce Stimpson's helpfulness, knowledge, responsiveness, professionalism and pleasantness. I received an excellent rate and am happy I went with Reduce.
Using reduce loans has saved me a lot of money on our home loan. The staff are professional and caring, always easy to get in contact with and there to help with any questions you. The switch from one of the big 4 banks (wont name names of who was ripping us off!) was easy with reduce loans. I highly recommend anyone to get in contact and see how many money they can save you.
Reduce Loans were able to find us a much better home loan rate. The process was so easy and we were walked through every step. Everything was done online and the whole process was handled quickly. I would highly recommend working with Reduce Loans.
We secured a great loan with Reduce far below market rates of the large lenders. Was particularly impressed by their flexible banking style in setting up the loan and Nick Freeney was great to work with in the loan application. The only issue is the application process was longer and more admin intensive than some other loans so removing one star - but if you stick with it you can save a bunch over the life of the loan.
Prepare for your future with an SMSF loan
Build and manage your own nest egg with a Self-Managed Super Fund.
Reduce Home Loans’ SMSF options are hot on the market now, with low rates and packed with features. Beat the banks and take control of your future.
Our SMSF loan range covers LVR ranges up to 80% with different rates, features and repayment options available to choose from. If you’re not sure, we’ll be happy to assist you. Give us a call on 1300 REDUCE (733 823) and speak to one of our Personal Finance Managers about your options.
| SMSF Program | Rates From p.a. Comp Rate From* p.a. | Max LVR | Est Total Fees |
|---|---|---|---|
Prime | 7.24% 7.37%* | 80% | $1,460 |
| Capitalizer | 6.97% 6.97%* | 80% | $0 for Refinance only (Excluding gov. charges) |
| Plus SMSF 3 Year Fixed | 6.94% 7.35%* | 80% | $2,737 |
What is a Self-Managed Superannuation Fund or SMSF?
A self-managed super fund (SMSF) is a type of superannuation fund where the members are also the trustees.
The members have control over how the fund is managed and invested.
self-managed super funds can have up to four members, and all members must be trustees or directors of the trustee company.
Trustees must act in the best interests of all members, and they must take care to ensure that the fund is run prudently.
Self-Managed Superannuation Funds – the benefits
There are various options for investment, including
- Direct investing
- There are a number of benefits to investing directly. Firstly, you have complete control over your investment. You can choose which companies or properties to invest in, and you can sell them whenever you want. Secondly, you can often achieve higher returns than if you invested in cash or fixed interest.
- However, there are also some risks involved with direct investing. The most obvious is that your investment could go down in value if the company or property performs poorly. Additionally, it can be more difficult to sell shares or property quickly than it is to sell cash.
- Collateral Investing
- Collateral investing, in this case investing in real estate is regarded as a secure investment with almost guaranteed long-term capital growth.
You control your own investments
- SMSF trustees are responsible for making sound investment decisions that are in the best interests of all fund members. This includes making sure that the fund has a diversified portfolio of assets that meets the members’ retirement goals.
You will have the best chance for consistent and stable earnings during your retirement
- Many people believe that Self-Managed Superannuation Funds offer the best chance for stable and consistent earnings during retirement. This is because individuals have more control over their investments, and can choose a plan that best suits their needs.
Plus
- Opportunities for investment equipping
- Reduce your long-term costs by having lower fund management fees
- Utilise tax benefits available from the Australian Tax Office (ATO)
- Easier access to your retirement savings
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Things to consider before starting a Self-Managed Superannuation Fund
How much time will I need to manage my own fund?
- Setting up and running a self-managed superannuation fund (SMSF) takes time and effort, but the benefits can be worth it.
- To set up a SMSF, you will need to establish a trust and register it with the Australian Taxation Office (ATO). You will also need to appoint trustees and create a investment strategy. Once your fund is up and running, you will need to review it regularly and make changes as needed. This can take time and requires a good deal of knowledge and experience.
- Another thing to consider is that once your SMSF is established, it’s your responsibility to ensure that it remains compliant with all relevant regulations. This includes filing annual returns and making contributions on time. If you don’t comply, you could face penalties from the ATO.
What are the costs involved?
- When it comes to Self-Managed Superannuation Funds (SMSFs), there are a number of benefits that people often consider, see above.
- However, with any type of investment or financial product, there are also associated costs. These costs can include set-up fees, annual management fees, accounting fees and legal fees.
Will you lose out on benefits from your current superannuation fund when you switch to SMSF?
- If you are thinking of making the switch to a self-managed super fund (SMSF), it’s important to understand how this could affect your present superannuation perks.
- Generally, if you have an existing superannuation fund, you will lose any membership benefits you have with that fund when you switch to an SMSF. This includes things like death and Total and Permanent Disability (TPD) cover, as well as insurance premiums paid by the fund.
If you are considering setting up a SMSF, be sure to do your research and seek professional advice.
Features available for you
Some of the features available on our SMSF home loans:
Offset accounts
- Reduce the interest charged on your loan
- Use the offset account for standard, day-to-day banking
- Your Interest rate will be calculated based on your outstanding loan balance minus the balance of your offset account
Flexible repayment options
- You can reduce the duration of the loan by making additional repayments
Interest-only loans available
- Property investors may be interested in our interest-only loans to make the most of their income from rent
At Reduce Loans, we aim to help you select the best home loan for you and your situation. This information is to guide your choices.
Contact our friendly, expert team with any questions.
For more information about cash back home loans, get in touch today!
