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Residential Property Finance

Residential – Investment Property – SMSF’s

Our Approach

We believe that every client is unique and every situation is different. At Finmore Capital we don’t promote 100’s of lenders, 100’s of loans or pretend that cheapest rates are up for grabs. Our consulting methods are unique and apply our 20 years’ industry expertise, benefiting our clients with the best outcomes. Every home loan or investment property loan is treated with extreme care and attention to detail. At Finmore Capital we are passionate about achieving the best outcome for our clients.

  • Our consultations are free of charge! NO upfront fees
  • We explain who we are and who our clients deal with
  • We listen to our clients and determine their needs and goals
  • We inform our clients of every little detail
  • We analyse every situation and offer comparisons to help our clients make the right choices
  • We don’t have favourite banks; every situation suits a particular lender.
 
  • We educate our clients as to their mortgage benefits and obligations
  • Our clients make their own choices and decisions with their mortgage facilities
  • Our solutions are designed to suit our clients, not the banks
  • Our process is hassle free; we help our clients from start to delivery
  • Simple process and no confusing jargon
  • If a matter is important to you, it is important to us!
 
 

Home Loans

Home ownership plays an important role in the Australian market. At Finmore Capital we can assist with all mortgages for both residential buyers and investors.

  • Buying a home
  • Home renovation
  • Buying a holiday home
  • Check if your mortgage is structured correctly
  • Refinance your mortgage for a better interest rate
  • Refinance your mortgage for debt consolidation purposes
  • Need equity to use for an investment property?
  • Separate your home from your business
  • Free health-check on current property investment portfolio

Investment Property Loans

Successful property investment requires careful planning. A rental property is a substantial financial commitment and best results are achieved when the right advice is given. It takes meticulous planning to come to a decision. A key point often missed by investors is that they must prepare themselves for financial eligibility. For example, a rental property may have a lease in place that on its own does not warrant funding eligibility for the investment. At Finmore Capital we guide our clients step-by-step to help them determine the best financial structures for their situation.

Some important points to consider when considering an investment property:

 
  • Are you well placed to afford an investment property?
  • Has proper advice been taken in regards to the investment?
  • Can you afford a property that will attract decent tenants and deliver healthy long term price increases?
  • Are you prepared, and can you afford, to hold onto your investment for the long term?
  • Do you need access to your capital (money invested) in the near future?
  • Check all your upfront and ongoing costs when investing in residential property
  • Is the investment suitable?
  • How much can you afford to borrow?
  • Can you access deposit and associated costs?
  • Is equity on current property available as a back-up?
  • Secure a pre-approval in principal before committing

SMSF for residential Investment

Designed for retirement investment strategies, Self-Managed Super Funds (SMSFs) have enjoyed a surge in popularity over recent years. However it is imperative to conduct the right research and take appropriate external advise when considering SMSFs. At Finmore Capital your SMSF Lending Specialist will run you through a series of important points to ensure there is a clear understanding and evident suitability before initiating a transaction.

  • Your SMSF selects a residential investment property to purchase, appoints a property trustee to purchase the property on its behalf
  • Your SMSF applies for the SMSF Investment Property Loan
  • The property trustee pays the deposit and exchanges contracts
  • When funding is granted, at settlement the property trustee mortgages the property to the lender who will advance the loan.
  • Your SMSF trustee pays all legal costs and stamp duty
  • Your SMSF collects rent, pays the usual outgoings on the property and makes the loan repayments. It manages the property in the same way as any other property investment
  • The property is held in trust for the SMSF by the property trustee and once the loan is repaid, the legal title may be transferred from the property trustee to the SMSF, or the property may be sold
  • SMSF Lending requires external advice from a financial planner and professional tax adviser – essential before deciding whether to borrow in order to invest within your SMSF
  • Certified copy of SMSF Trust Deed
  • Certified copy of Property Trust Deed
  • Proof of income, tax returns and rental income
  • Suitability
  • Use your SMSF to borrow to purchase residential investment property in Australia
  • Suitable for Australian residents with an established SMSF as well as those planning to establish a SMSF
  • Lending from $200k +
  • Use rental income to assist with repayments
  • Limited recourse, recoverable on default, is limited to the secured property itself; other assets of your SMSF are protected
  • Repayments a choice of principal and interest, or interest only
  • Terms from 1 to 30 years (interest only – maximum 15 years)
  • Choice of variable, fixed and combination loans (fixed and variable)

Get A Free Consulation Start Your Finance Journey Today

Ready to take the next step? Get pre-qualified with Finmore Capital in just minutes and unlock fast, flexible finance options for vehicles, equipment, or property. Our expert team is here to help you secure the right solution — so you can focus on growing your business with confidence.

+61 401 162 023