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06/10/2026

When policy shifts make residential super loans harder to qualify for, pivoting toward or keeping commercial property on the table allows everyday investors to keep using their super to build a real estate portfolio.

Residential vs. Commercial SMSF Lending:

Different Servicing Rules: Residential SMSF loans heavily rely on strict personal income buffers and super contributions.

Commercial SMSF lending focuses far more heavily on the property’s rental yield and lease strength to clear serviceability.

Higher Yield Advantage: Commercial assets generally deliver significantly stronger rental yields than residential properties, making the super loan self-sustaining without needing massive out-of-pocket contributions.

Flexibility for Business Owners: If you own a business, your SMSF can purchase a commercial premises and lease it directly back to your business at market rate, turning a rental expense into an asset for your own retirement fund.

Co-Investing Options: If individual residential borrowing capacity gets squeezed, investors can pool super with partners or other funds into a commercial joint venture to meet the deposit requirement for high-yielding assets.

If residential lending criteria restrict your options, exploring commercial super loans keeps your SMSF growth strategy moving forward.

22/05/2025

ALBANESE GOVERNMENT RE-ELECTED
Superannuation | Property: Where Should Your Money Go in 2025? 💰🏡

With major superannuation reforms on the horizon—including a 30% tax on balances over $3M and the introduction of unrealized gains tax—Aussies are asking:
👉 Should I keep building my super, or shift to property?

We brought together a great panel of minds to unpack what these changes mean for you:

🔹 Ashik from Raen Capital – Mortgage Broker with 18+ years in banking, helping clients finance smarter with tailored strategies for trusts, SMSFs, and self-employed income.
🔹 Ash Ahmed Buyers Agent from Buyers Vista– Buyers Agent and seasoned property investor with 20+ years of experience securing long-term value through strategic property purchases.
🔹 Nisho from Hannan Accounting – Senior Partner with 25+ years helping clients manage tax risks and build wealth through effective structures and a solution-focused mindset.

Together, they dive into:
✅ The new 30% super tax and who it actually affects
✅ Why property is back on the radar for long-term wealth
✅ The real impact of super contributions during Paid Parental Leave
✅ How tax strategy, lending, and smart buying come together in 2025

Whether you're a first-time buyer, investor, or planning for retirement, this episode gives you the clarity you need to move forward with confidence.

🎥 Watch now & take charge of your next financial move.

Something

17/02/2025

Big decision coming tomorrow! ⏳ The RBA is set to announce its next move on interest rates, and markets are betting on a 93% chance of a cut. If it happens, borrowers could see much-needed relief, with potential savings of $153/month on a $1M loan.

With inflation falling faster than expected, economists say this could be just the beginning of a new easing cycle. Will the RBA pull the trigger? Or will they hold off for now?

Drop your predictions in the comments! ⬇️

06/11/2024

Sydney Home Buying Tips 🏙️

Navigating Sydney’s market? Consider these factors:

- Development approvals

- Stamp duty

- Climate

- Coastal vs. inland

- Future infrastructure

30/10/2024

Thinking of buying a home? 🏡 Don't let hidden costs and unexpected surprises derail your dream. Here are some essential tips:

Location, Location, Location: Consider factors like proximity to amenities, schools, and public transport.

Thorough Inspections: Hire a qualified inspector to assess the property's condition and potential issues.

Hidden Costs: Be prepared for additional expenses like stamp duty, legal fees, and property taxes.

Ready to dive deeper? DM us for personalized advice.

gtips

03/09/2024

Pleased to highlight our latest Feature on Mortgage Professional Association Magazine where I discuss the inspiration behind and also our podcast "Dad's Taking Care of Business" on the YouTube Channel with my good friend .fad from .systems and quian of where we talk not only Business but Men's Mental Health and being a stand up Father. Please have a read 🔗 is in BIO.

20/08/2024

Loan Mortgage Insurance (LMI) can help you get into your dream home sooner than you think! 🏡💰 As a mortgage broker, we can help you understand LMI and find the best loan for your needs.

Contact us today for a free consultation! 📞 📩

19/08/2024

Hi All!
We are currently looking to hire an experienced Mortgage Broker Virtual Assistant from the Philippines. If this sounds like you please reply to this post and send us a DM with your CV. Thanks

18/07/2024

Excitement is real, but rushing can lead to regret. We're taking a strategic approach to avoid missing any red flags.

16/07/2024

Home is more than bricks and mortar. It's about a vibrant community, walkable streets, and endless possibilities right outside our door.

Address

Baulkham Hills, NSW
2153

Telephone

+61 415 559 067

Website

http://www.raencapital.com.au/

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