Principal & Interest vs Interest Only Repayments: What You Need to Know
When it comes to home loans, one of the key decisions borrowers face is choosing between Principal & Interest (P&I) repayments and Interest […]
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Investments
Understanding Investment Loans and Owner Occupied Loans
The purpose of your property affects interest rates, repayments, and tax considerations. Understand the key differences between investment and owner occupied loans.
Understanding the Difference Between Coded and Non-Coded Loans
Coded and non-coded loans offer different levels of consumer protection. This guide explains how each loan type works, when they apply, and why understanding the distinction matters for your borrowing security.
Purchasing Commercial Property Within an SMSF: What Business Owners Need to Know
Choosing between building a new home and buying an existing property depends on your priorities, timeline and budget. Building offers custom design, modern features and lower early maintenance, but involves longer timeframes and potential delays. Buying an existing home provides faster move in, established neighbourhoods and clearer market value, though renovation or repair costs may apply. Understanding the process, costs and risks of each option helps you decide which path suits your lifestyle and financial goals.
Limited Recourse Borrowing in SMSFs: What You Need to Know
Thinking about setting up a Self-Managed Super Fund? An SMSF gives you direct control over your retirement investments, including property, but comes with strict responsibilities and compliance requirements. This guide outlines the key steps involved and explains how Residential Lending Group can connect you with trusted SMSF specialists to support your setup and financing journey.
Understanding the Difference Between SMSF Loans and Regular Home Loans
SMSF loans and regular home loans both finance property, but they operate under different rules. An SMSF loan is taken out by your super fund for investment property and must meet strict superannuation regulations. A regular home loan is taken out by individuals for owner occupied or investment use. Residential Lending Group connects you with trusted SMSF specialists to help you choose the right structure for your goals.
Limited Recourse Borrowing Arrangement (LRBA)
This diagram shows how a Limited Recourse Borrowing Arrangement works within an SMSF. SMSF members make contributions into the fund. The SMSF enters into an LRBA with a lender to purchase an asset. The property title is held in a bare trust while the loan is repaid. Rental income and contributions support repayments. The lender holds a mortgage over the asset, and recourse is limited to that asset only.
Setting Up a Self-Managed Super Fund (SMSF): A Step-by-Step Guide
Thinking about setting up a Self-Managed Super Fund? An SMSF gives you direct control over your retirement investments, including property, but comes with strict responsibilities and compliance requirements. This guide outlines the key steps involved and explains how Residential Lending Group can connect you with trusted SMSF specialists to support your setup and financing journey.