SW Capital - SMSF Lending
What is an SMSF and how can it benefit you?
Setting-up a Self Managed Super Fund (SMSF) can be a great way to take control of your retirement savings. An SMSF is a type of superannuation fund that you manage yourself. You have the flexibility to choose your investments, but you also take on the responsibility. Our aim is to help our clients invest more intelligently in property to build long-term wealth and financial independence. We do this primarily by providing clients with information and assistance to help improve their property knowledge and choices. It doesn’t matter if they are a first-time property investor, or an experienced property investor building a growing property portfolio.
SW Capital is here to assist clients at every stage of the investing process, whether it’s connecting them to one of our trusted referral partners, a buyer’s agent, financial adviser, accountant or solicitor, or securing your SMSF investment loan, we guide you as you embark on this journey to financial independence and security.
Read more in our FAQS below
Download our SW Capital Brochure here, to learn more.
Discover your dreams
Whether you’re buying your first home, starting a renovation, refinancing, or investing, the first step is understanding your goals. Our ‘Discovery’ stage includes:
- Scheduling a free 15-minute chat at your convenience via our website.
- Identifying your preferred communication method (in-person, email, phone, or online).
- Sending you a secure online link (the fact find) to share your financial details, giving us a complete picture of your situation. This portal lets you upload documents and save progress.
- Once completed, we’ll follow up with a call or meeting to verify details and move to the next step.
Assess and recommend
After understanding your goals, we tap into our network of over 26 lenders to assess a range of products based on factors like interest rates, loan terms, fees, and restrictions. Our job is to identify the best options for your unique situation.
This step includes:
- Presenting a selection of suitable lenders and loan products, with details on fees and repayments.
- Breaking down costs, repayments, and transaction fees for each option.
- Discussing the pros and cons of each loan product, including customer service and flexibility.
- Reviewing your budget and showing how extra repayments can benefit you long-term.
- Providing helpful tools on our website to guide you through the process.
Simplify the process
Once a product is selected, we simplify the process to avoid the typical hurdles borrowers face. Our streamlined approach and digital tools make it easy for you.
- Upload documents via the portal link from Step 1.
- Use secure access to bank statements through bankstatements.com, saving you time.
- Receive a “Home Loan Shopping Check List” and communicate via the portal.
- Get ongoing updates and support from our team throughout the process.
- Sign documents digitally to speed up the application.
- We lodge the application with the lender, monitor approval, and keep you informed as we liaise with the bank on your behalf.
Access our network
Sometimes you have access to all of the services you need. But at other times, you’re not sure who to turn to and don’t have anyone you can trust. We are here to help – to act as your financial concierge. We can refer you to our trusted partners in a range of services including real estate agents, property valuers, financial planners, accountants, car brokers, Insurance brokers, stock brokers, quantity surveyors and more.
Get you across the line (implementation)
Once your loan is approved, we guide you through the settlement process:
- Our customer service team takes over after approval, helping with loan documents and coordinating with solicitors or outgoing banks.
- We provide updates every 48 hours and notify you of any additional requirements, such as insurance or funds for settlement.
- You’ll meet with us to sign documents (in-person or online via phone/Zoom).
- We ensure all documents are in order, following up with the bank if needed.
- Three days before settlement, we confirm everything is on track with you and the bank.
- After settlement, we follow up within 72 hours to provide your loan number, confirm repayments, and finalise any remaining details.
Grow your wealth
We’re here to help you make the most of your financial opportunities. As your home equity grows or life circumstances change, we can help with refinancing, investment and other opportunities. Our aim is to be your trusted partner in finance at every stage of your financial growth.
- We provide clients with property reports on request, letting you understand the value of your home and see if you can buy an investment property, renovate or upgrade your house.
- We put you in contact with our trusted partners (including financial planners or stock brokers) to help you take steps towards financial growth and asset protection.
- We can also provide the tools (via our SWB Money Hub) to manage your finances and stay in control, letting you move step-by-step towards your financial goals (and letting you see when you get off track).
- This support and knowledge lets you identify opportunities for financial growth and security.
Contact us using the form below
FAQS
What is an SMSF?
An SMSF stands for Self-Managed Super Fund which is a type of super fund that is managed by the client where the client is the trustee. This allows the client to have more autonomy when it comes to managing investments. You can also hire a financial advisor who can help manage the fund.
What is an SMSF loan?
An SMSF loan is a limited recourse borrowing arrangement (LRBA) that your superfund enters in order to purchase property as an investment. How much do I need to pay upfront? Schedule a free 15-minute call with our SW Capital experts to discuss how you can use your SMSF to pay for all fees and costs.
What is the average return on investment?
The annual growth rate for residential properties in Australia since 2004 is 6.0% with more data to come on recent property growth rates.
Why is an SMSF better than a traditional super fund?
Traditional super funds don’t allow you the flexibility and autonomy that an SMSF can provide. Setting up an SMSF is a great way to access funds to invest in residential or commercial property.
Do you help find and lease the property?
Our trusted partners with SW Capital can help clients find and lease their investment properties, supporting you at every step of the investing process.
