The questions Natalie gets asked most. Still unsure? Just give her a call — 0417 902 959.
How much super do I need to buy property in my SMSF? ▾
There's no hard minimum, but practically speaking you need enough to cover the deposit (typically 20-30% of the purchase price) plus setup costs and a cash buffer inside the fund. Natalie will look at your specific situation in the first call and give you an honest assessment of whether the numbers stack up.
Does this cost me anything? ▾
In most cases, no. Natalie earns a commission from the lender when your loan settles — the same as any mortgage broker. In some situations where significant work is involved but the loan doesn't proceed, a small advisory fee may apply — but Natalie will always discuss this with you upfront before any charge is made.
Can I live in a property I buy through my SMSF? ▾
No — this is one of the strict rules around SMSF property. The property must be an investment and cannot be lived in or used by you, a family member, or any related party. It must generate rental income for the fund.
My SMSF loan is old and I'm paying a high interest rate. Can I refinance? ▾
Yes, and this is one of the most common situations Natalie helps with. When the major banks exited the SMSF lending market several years ago, many borrowers were left on uncompetitive rates with limited options. The specialist lender market has evolved significantly since then, and in many cases refinancing to a better structure is very achievable.
How long does the process take? ▾
A pre-approval typically takes 2-4 weeks depending on the lender and how quickly documents can be gathered. Full settlement from pre-approval usually takes 6-12 weeks. Natalie manages the timeline for you and keeps you updated throughout.
Do I need an existing SMSF to use Natalie's service? ▾
No. If you don't have an SMSF set up yet, Natalie will work alongside your accountant to get the fund and trust structure in place as part of the process. Setting up an SMSF is a separate step that your accountant typically handles, but Natalie can point you in the right direction if you need one.
What types of property can I buy through an SMSF? ▾
Residential property, commercial property, and some industrial property. The property must be purchased strictly for investment purposes and held in the name of the SMSF trustee. Commercial property has slightly different rules — Natalie can walk you through what's possible for your specific situation.
I've spoken to other brokers and they said they don't do SMSF loans. Why? ▾
SMSF lending is a specialist area. The lender pool is small and specific, the compliance requirements are more complex, and most residential mortgage brokers simply don't have the experience or lender accreditations to do it properly. Natalie has spent years building relationships specifically in this space — it's not a sideline for her, it's her focus.
What's involved in the first conversation? ▾
It's a 15-minute, no-pressure chat. Natalie will ask about your current situation — your super balance, what you're looking to do, your income and employment, and any additional funds you might have available. From there she'll give you an honest picture of whether it's viable and what the next steps would look like.
Do you only work with Perth clients? ▾
Natalie is Perth-based and most of her clients are in Western Australia. She prefers to meet face-to-face where possible as it makes for a much better experience, but she does work with clients remotely where needed.
