• SMSF lending rates for residential investment properties continue to creep up, with average rates now above 6%. Commercial SMSF lending can still be obtained sub 5% for strong clients.


  • Banks are continuing to offer their sharpest rates for home loans less than 80% of the property value, with principle and interest repayments.


  • There are still Lenders who are able to consolidate ATO debt at home loan rates (against residential property) on a case by case basis, which may come in handy for some of your clients as we approach the new financial year. As you problem already know, from July 1 if a client has an outstanding tax debt it may appear on their personal credit file, where the amount outstanding is more than $10,000, and they haven’t effectively communicated with the ATO on how they will be repaying the debt. Most Lenders view tax debt unfavourably, and it may impact your clients ability to obtain finance.

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