Rethink Financing

Many businesses don’t realise how flexible asset finance can be. From vehicles to equipment and fit-outs, asset finance allows you to acquire essential tools without tying up capital. Here’s what can be financed.

Rethink Financing supports more than just home loans. Residential, commercial, SMSF and asset finance solutions help investors structure their capital strategically.

When SMSF lending gets complex, strategy matters.

Our client already owned a commercial property outright inside their SMSF and wanted to secure the specialised asset next door. Simple in theory - complex in ex*****on.

The first challenge?
The new property sat across two titles, triggering the Single Acquirable Asset Rule under section 67A of the SIS Act - a critical hurdle for any SMSF purchasing property via a Limited Recourse Borrowing Arrangement (LRBA). After months of negotiation with the lender, buyers’ agent and vendor, the structure was successfully resolved so funding could proceed.

The second issue came down to SMSF pension rules and servicing. With financials still being finalised, the lender relied on prior-year figures and incorrectly assessed pension payments across the entire SMSF balance - impacting serviceability. By clarifying the pension allocation and re-contributing funds back into accumulation, servicing was restored.

With the right structure, accountant support and clear communication with credit, the loan was approved - and signed just in time before the clients boarded a well-earned holiday.

This is what strategic SMSF lending looks like when experience meets ex*****on.