Super funds put to good use

Financing with your Self-Managed Super Fund

Making your super fund truly super

Setting up, managing or borrowing against your SMSF is complex, but can unlock financial options that fuel your ambitions and deliver a potentially great outcome at tax time whilst protecting your assets. The specialists at MedX Finance will work with you and a range of lenders to help you unlock the benefits of your SMSF in the right way. 

Product Detail

Whether you’re looking to fund a new practice, expand/ re-design an existing practice or increase your property portfolio, unlocking your SMSF can be a great option. It does come with a very stringent set of checks and balances and a range of complexities along the way. 

Our specialists and MedX Finance will work with you, your accountant and your super fund to ensure we deliver a seamless path to leveraging your self-managed super fund in the right way for lenders, tax returns and future super fund growth.

SMSF Finance Benefits

  • Whether you are using your SMSF to purchase practice premises, pure commercial investment, or a residential investment property, we can help.

    Different lenders have different thresholds and metrics that can make finding the right loan tricky. It can mean the difference between securing a loan or not.

    Speak to a MedX Finance specialist today who has worked through this process successfully many times before

  • We can assist in securing loans for SMSFs up to 90% of the purchase price of commercial property without the need for Mortgage Insurance (where doctors and dentists use the rooms for their practice premises).

    Up to 90% LVR also available on residential investment properties purchased within SMSF via specialist lenders.

    The availability of such financing options can depend on the lender and your individual financial situation. Here at MedX Finance we will guide you through this to get the best outcome.

  • At MedX Finance, we hold and maintain accreditations and long-standing relationships with multitude lenders including Banks and Non-Bank institutions.

    This means we can provide you with a range of unbiased mortgage options to choose from as opposed to one lender only providing their product options.

    Our specialists will also add value by working with your trusted advisors to find you the most tax effective and cost-effective solutions.

  • Our strong relationships with lenders flow through to you, our clients in the form of discounted rates and priority service across all product ranges. Speak with our specialists to see how much you can save.

  • Borrowing against your SMSF can be complex, but at MedX Finance we will work with you, your accountant, your fund and a range of lenders to ensure you are confident in the outcome and can make the most out of every step.

Customer Feedback

  • Dr Frank Barbagallo, GP

    Trevor Knowles has supported my debt funding needs since I first started my medical businesses our relationship now being in its 20th year. From financing a medical office fit-out, extensive IT equipment, car finance or mortgage lending ( residential, investment and commercial), Trevor has arranged it all. My projects with Trevor included the refinance of complex Family Trust and SMSF structures, fund a medical clinic building development and expensive medical capital equipment installations.

  • Dr Daniel Massih, Dentist

    I’m really grateful for the services provided by Michael and Rachael over the years. Friendly and professional, and easy to reach out to. I know I am in great hands dealing with Medx Finance and have recommended them to all my colleagues

  • Dr Eugene Ng, Radiologist

    Michael knows his stuff! He is friendly, reliable, very obliging and always answers calls promptly. The people whom I have referred on to Michael have all had positive experiences and are very happy with his service, knowledge and integrity.

  • Girish Basavaraj, Dentist

    I have had the pleasure of knowing Todd O'Reilly for over 15 years, and I can confidently say that he is the go-to person for all your financial needs. Whether it's personal loans, business loans, car loans, or SMSF loans, Todd is the expert you can trust

  • Dr Vivien Lee, Assistant Surgeon

    Michael has been assisting me with my banking needs since 2005. He is an outstanding professional - efficient, thorough, obliging, discreet and most importantly ethical. He explains industry specific jargon in simple but practical terms, and at the same time treating customers with respect. He consistently delivers despite tight timelines outside his control

  • Dr Sam Snelling, Veterinary Specialist Surgeon

    Without doubt, our business only exists today because of Trevor's effort to understand how our profession operates. Since our initial fitout, Trevor has helped grow our practiceand finance several major upgrades in equipment, as well as organising our family lending. For everysingle investment our business or family makes, the first call is always to Trevor.

  • Professor Mark Umstad, Obstetrician and Gynaecologist

    Trevor Knowles has been known to me professionally for over 15 years. I have found him to be professional, efficient and approachable at all times. He can be trusted to handle medical finance issues with honesty and integrity. He has an understanding that medical professionals are busy individuals and he manages to provide a professional service in a timely manner.

  • Dr Wendy Marshman, Ophthalmologist

    I have had the privilege of knowing Trevor for nearly 20 years . He has helped me procure finance for both my business and personal purchases and in all areas and transactions he has been honest, insightful and extremely helpful . All interactions have made me feel that he is personally committed to achieving the best outcome for myself, thus making the whole process virtually stress free. I could not recommend Trevor more highly.

  • Dr Joe Juric, Dentist

    Trevor has been assisting me in the financing of my dental practice now for over 10 years. During this time he has shown an understanding of the various financial needs of a practice in its different stages of growth. In my direct dealings with him and also those of my financial team, he has been responsive, diligent, innovative, efficient, and a pleasure to do business with.

  • Assoc Prof Richard Vojlay, Optometrist

    I have had the pleasure of being associated with Trevor for more than 20 years. Over that period he has assisted in arranging finance for two consulting room fit outs, including a retinal camera, Topcon OCT, 2 slit lamp cameras, a Medmont topographer and 3 vehicles. More recently guided me through the financing for a complete refit of the practice including an extra consulting room and dispensary. This required a significant loan and Trevor was able to structure the facility to minimise any cash flow issues. I highly recommend his services.

  • Dr P Lattouf, Dentist

    When searching for loan you need someone you can trust. Michael and his team are second to none. Honest, Prompt and Professional. For 15 years there has NEVER been a breakdown in communication nor a refusal for a loan application. He has made all processes very smooth and I couldn’t be happier to recommend his services to anyone

FAQs

  • Potentially, you can borrow up to 90% against the value of your commercial property (that is leased to a related entity) in your SMSF, or 80% for commercial investment. For residential properties in your SMSF, you can potentially borrow up to 90%. Lenders have vastly different policies for SMSF lending, we can assist with the right lender for your circumstances.

  • Yes, there are lenders who do offer offset accounts in their SMSF.

  • SMSF lending is quite strict with it’s requirements. You cannot directly use the equity in other property as security, whether inside or outside of super, for the deposit for an SMSF.

  • Yes, all SMSF lending will require the establishment of a bare trust (sometimes called an asset trust or warrant trust) to specifically hold the asset while there is debt against it. Your financial adviser or accountant can assist with the establishment of a bare trust. We also have contacts that we can put you in touch with if you would like to discuss with a financial adviser.

  • Lenders have vastly different policies for SMSF lending, some have minimum asset requirements, while others have liquidity (minimum cash buffer) requirements. We will assist with connecting you with the right lender for your circumstances.

Our Solutions

  • Practice Finance

    Starting, buying, or purchasing a share in a practice are all potential pathways to fulfilling ambitions. However, they all have unique financial nuances that warrant specialist advice to take full advantage of the opportunity. MedX Finance will work with you to make sure securing finance does not hinder your momentum but rather compliments your ambition.

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  • Home Loans

    Fixed Rate, Variable, Offsets, Redraw, Investments, Cash Backs, discounts, tax effective…there's a lot to get right to make home loans work for you. But with decades of experience and a customer first approach we will find the solution that's right for you.

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  • Car Finance

    Leases, Novated Leases, Chattel mortgages, balloon payments, car value and so much more can make a big difference when it comes to making sure your car is more than the drive of a lifetime. Here at MedX Finance our experts will work with you to structure a solution to suit you in the short and long term.

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  • Equipment Finance

    Balancing clinical outcomes and growth ambitions with ROI and commercial metrics can feel like a hard call. MedX Finance will work with you to make it simpler. We’ll ask the right questions of you, the equipment provider and the lenders to make sure we deliver the right financial solution so everybody wins.

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  • Commercial Loans

    Multiple loan structures, strict underwriting criteria and risk assessments can make finding and securing the right commercial loan complex. Our specialists will help navigate the complexity and ensure a solve for your specific needs.

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