Specialist Property Finance for SMSF, NDIS and NRAS Investors
CCS Lending Pyrmont provides specialist SMSF property finance solutions for clients purchasing and refinancing property across Australia. We assist with off-the-plan purchases, established dwellings, NRAS investments, NDIS accommodation, leasehold properties and heritage-listed properties.
Comparison rate warning
- A comparison rate includes the interest rate as well as certain fees and charges relating to a loan.
- The aim of the comparison rate is to help you identify the true cost of a loan and compare loans and services offered by financial institutions and mortgage providers.
- The formula for calculating a comparison rate is regulated by the Consumer Credit Code, and all Australian financial institutions and mortgage providers use this same formula.
- Government charges such as stamp duty or mortgage registration fees.
- Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees.
- Fees and charges which aren’t available at the time the comparison rate is provided.
- Cost savings such as fee waivers or the availability of interest offset arrangements which can influence the cost of a loan.
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SMSF Lending
Specialist SMSF finance solutions for investment properties, commercial premises, refinancing, leasehold properties and heritage-listed assets.
What is SMSF lending?
SMSF lending allows a self-managed super fund to borrow money to purchase eligible investment property, subject to strict superannuation, legal and lender requirements.
Can I buy property through my SMSF?
Yes, your SMSF may be able to purchase residential or commercial investment property, provided the transaction complies with SMSF rules and the fund’s investment strategy.
Can CCS Lending help with SMSF finance?
Yes. CCS Lending assists with SMSF property purchases, commercial premises, refinancing, leasehold properties and heritage-listed assets by helping you assess lender options, borrowing capacity and loan structure.
Can SMSF loans be used for leasehold or heritage-listed properties?
Some lenders may consider leasehold or heritage-listed properties, but these are more specialised transactions. Lender appetite, valuation treatment, remaining lease term, property condition and exit strategy will usually be important.
Can my SMSF buy commercial premises?
Yes. Many business owners use their SMSF to purchase commercial premises, including the property their business operates from, subject to correct structuring and compliance requirements.
How much deposit does an SMSF loan require?
Some non-bank lenders may offer SMSF lending up to 90% LVR, subject to lender policy and eligibility criteria. However, SMSF loans generally require a larger deposit than standard home loans. The required deposit will depend on the lender, property type, SMSF balance, rental income, member contributions and overall servicing position.
Can I refinance an existing SMSF loan?
Yes, refinancing may be available depending on the SMSF structure, current loan terms, property type, valuation and lender policy.
Do I need professional advice before using my SMSF to buy property?
Yes. SMSF lending involves legal, tax, superannuation and lending considerations. You should seek advice from your accountant, financial adviser and solicitor before proceeding.
If you are specifically looking to purchase property through your self-managed super fund, read our SMSF property loans guide.
NDIS Property Finance
Specialist lending solutions for NDIS-related accommodation, disability housing and purpose-built property projects.
What is NDIS property finance?
NDIS property finance refers to lending solutions for properties used for disability accommodation, including specialist disability accommodation, supported living arrangements and purpose-built housing projects.
Can CCS Lending help with NDIS property finance?
Yes. CCS Lending assists investors, developers and property owners with NDIS-related property finance, including purchases, refinances and purpose-built accommodation projects. We help assess lender appetite, structure the application and present the transaction clearly.
Can I get a loan for an NDIS investment property?
Yes, finance may be available depending on the property type, borrower profile, lease structure, rental income, valuation, location and lender appetite. NDIS-related properties often require a more specialised lending approach than standard investment properties.
Can developers obtain finance for NDIS housing projects?
Yes, some lenders may consider development or construction finance for NDIS-related accommodation projects. The strength of the borrower, project feasibility, end value, lease strategy, exit plan and operator involvement will usually be key assessment points.
Is NDIS property finance the same as a normal investment loan?
Not always. While some transactions may be assessed similarly to standard investment loans, many NDIS-related properties involve specialised income, lease arrangements, provider agreements or valuation considerations. This means lender selection and application presentation are very important.
Do lenders accept NDIS rental income?
Some lenders may consider NDIS-related rental income, but the treatment can vary significantly. Lenders may review the lease, income source, provider arrangement, property suitability and whether the income is considered reliable and sustainable.
Why is lender selection important for NDIS property finance?
Not all lenders are comfortable with specialised disability accommodation or NDIS-related income. Choosing the right lender can make a significant difference to loan structure, borrowing capacity, valuation outcome and approval prospects.
NRAS Property Finance
Tailored NRAS investment property finance for purchase, refinance and portfolio growth, helping investors structure lending around specialised rental arrangements and lender policy.
What is NRAS property finance?
NRAS property finance refers to lending solutions for investors purchasing or refinancing properties approved under the National Rental Affordability Scheme.
Can I get a loan for an NRAS property?an CCS Lending help with NDIS property finance?
Yes. Some lenders will consider NRAS properties, although lending appetite can vary depending on the property, lease arrangement, location, rental income and borrower profile.
Are NRAS properties harder to finance?
They can be more complex than standard investment properties because lenders may assess the rental arrangement, NRAS incentive, lease structure and resale market differently.
Can I refinance an existing NRAS property loan?
Yes. Refinancing may be available for eligible NRAS properties, depending on equity, rental income, loan conduct, property type and lender policy.
Do lenders include NRAS incentives as income?
Some lenders may consider part or all of the NRAS incentive, while others may exclude it. This depends on lender policy and supporting documentation.
Can SMSFs buy NRAS properties?
In some cases, SMSFs may be able to purchase NRAS properties, subject to SMSF lending rules, lender policy, trust structure and compliance requirements.
What deposit is required for an NRAS property?
The required deposit depends on the lender, property location, valuation, rental income, borrower strength and whether the property is considered standard or specialised security.
Why use a broker for NRAS finance?
NRAS lending is policy-sensitive. A specialist broker can help identify lenders with appetite for NRAS properties and structure the application correctly from the start.
"Aaron and his team are amazing at what they do!! He has helped us many times to navigate the tricky slopes of refinancing especially as business owners where additional paperwork is needed. His team are on the ball with fast and effective service and I wouldn’t trust another company like I do his. Cheers Aaron and your team "
– John Burrough, Google Review
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"Aaron and his team at Citadel has made the process very easy and pleasurable. I had previously been very hesitant to go ahead and visit banks and brokers as i thought that it would be super stressful and challenging - especially during such a volatile environment .
Aaron had this process run very smoothly for me and it was the complete opposite of stressful, scary and time consuming. I would definitely recommend Aaron and his team for your financing needs.
Thanks so much guys"
– Ian Gonzaga, Google Review
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Australian Credit Licence Number 458791 | ABN: 17 166 219 521 | Suite 73, 26-32 Pirrama Road, PYRMONT, NSW 2009 | PO Box 383, PYRMONT, NSW 2009