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Shelley Zhou - Mortgage Broker

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Australia
North Sydney, NSW
Shelley Zhou - Mortgage Broker

Your Trusted Finance & Mortgage Broker – Working for You, Not the Banks!

07/06/2026

🚀 Leverage to Grow Your Super
Did you know that SMSFs can legally borrow to invest in property?

With the right SMSF loan structure, leverage could help you:
🏠 Buy larger assets sooner
📈 Build long-term retirement wealth through property growth
💰 Generate rental income within your super
📊 Diversify beyond shares and cash
⚡ Accelerate your retirement investment strategy

Instead of waiting years to save enough funds, an SMSF property loan may help you grow your super more effectively—whether through residential or commercial property.

⚠️ SMSF lending is highly specialised. Getting the right structure and advice is essential before making a move.

Key steps include:
✅ Proper SMSF setup
✅ Borrowing capacity assessment
✅ Correct loan structure
✅ Strategy aligned with your retirement goals

We specialise in SMSF property loan solutions for both residential and commercial properties.

📩 Want to learn more about SMSF loans? Feel free to reach out to us.

11/05/2026

🔥 SMSF Loans – Easy Refinance Solutions 🔥
Looking to refinance your SMSF residential or commercial loan?

We make the process simpler, faster, and more flexible.
✅ Better rates & faster funding
✅ Less documentation required
✅ 100% Offset available

Whether you are refinancing to reduce repayments, improve cash flow, or access better loan features, our SMSF lending team can help you find the right solution.

📌 Residential & Commercial SMSF Loans
📌 Tailored solutions for PAYG & self-employed clients
📌 Fast turnaround and personalised support

Refinancing your SMSF loan could be easier than you think.

📩 Contact us today to discuss your options.

22/03/2026

SMSF Property – It’s NOT Just a Loan
Most people think buying a property through SMSF is just about getting a loan.

That’s where things go wrong.
SMSF property purchase is a structure-driven strategy, not just financing.

Before you even look at a property, three key elements must be in place:
- SMSF properly established
- Loan pre-approval confirmed
- Bare trust correctly structured

Missing any of these can lead to:
• Loan rejection
• Contract issues
• Costly restructuring
• Even losing the deal

To avoid unsuccessful SMSF property purchases, it’s critical to focus not just on lending - but on getting the structure right fro m day one.

If you're considering using your super to invest in property, make sure the structure is right before you sign anything.

25/12/2025

🎄Merry Christmas!
As the year comes to an end, I just want to take a moment to say thank you.

Thank you to everyone — clients, partners, friends, and professional connections — for your trust, support, and encouragement throughout the year. I’ve truly appreciated every conversation, collaboration, and opportunity.

Wishing you and your families a safe, relaxing, and joyful holiday season. Looking forward to staying connected and continuing the journey in the year ahead.

13/12/2025

Buying Your Business Premises Through an SMSF? Here’s a Smarter Way
Many business owners and professionals assume that an SMSF must purchase an entire commercial property on its own.
In reality, there’s a flexible structure that often works far better — Tenants in Common (TIC).

What Is the Tenants in Common (TIC) Structure?
A TIC structure allows two or more SMSFs to jointly own a commercial property, each holding a fixed percentage.
✔ Each SMSF purchases its own share
✔ Each SMSF arranges its own loan (if needed)
✔ Rental income is split based on ownership
✔ Ownership and responsibilities remain clearly separated
This structure is particularly useful for business partners or colleagues operating from the same premises.

Real SMSF Case Study
📍 Location: Sydney CBD, NSW
🏢 Property Value: $1.3 million

Two medical professionals running a clinic together wanted to purchase the office they work from.
One was PAYG, the other self-employed — but both wanted to invest through their SMSFs.

Using a Tenants in Common structure:
• Each practitioner bought a share via their own SMSF
• Each SMSF obtained finance for its portion
• Rent paid by the clinic now flows back into their SMSFs

The result?
They secured long-term control of their clinic premises while building retirement wealth inside their SMSFs.

Why TIC Works So Well
✔ Ideal for business co-owners
✔ Makes higher-value commercial property more accessible
✔ Keeps SMSFs separate and compliant
✔ Creates stable, long-term SMSF income

Thinking About SMSF Property?
If you or your clients are considering buying business premises through an SMSF — individually or together with others — the right structure makes all the difference.

📩 Feel free to reach out if you’d like to explore whether a TIC structure could work for your situation.

29/11/2025

💡 How We Helped Our Clients Secure a $700k SMSF Loan – Even With Only One Income
Many SMSF clients worry they won’t qualify for a loan when only one member is working.
This recent case shows that smart structuring can make all the difference.

🔎 The Situation
A couple wanted to buy an SMSF investment property and needed a $700,000 loan.
But there was a challenge:
• Only one member had employment income
• Estimated annual contributions were only around $30,000
• This wasn’t enough to pass the lender’s servicing test
Instead of increasing contributions, we looked for a better solution.

💡 The Strategy: Offset Addback
Before the purchase, the SMSF had $440,000 in its cash management account.
After the property purchase, the remaining balance would be $112,306.
Using the lender’s Offset Addback feature, we were able to treat part of that cash balance as additional contribution capacity.
We calculated:
$112,306 × 6.19% = $6,051
This amount was added to the servicing assessment.

🎉 The Result
With Offset Addback included, the SMSF passed servicing — and the couple was approved for their $700,000 loan.

🏁 What This Means for You
If your SMSF has strong cash reserves, you may be able to borrow more than you think — even with a single income or limited contributions.

Offset Addback is a powerful tool that can open doors for many SMSF investors.

If you’re planning to buy a property through your SMSF and want to explore what’s possible, feel free to reach out. I’m here to help.

24/10/2025

Retire Smarter, Not Just Harder. 🚀

Ready to unlock the power of your super? Our SMSF property loans are designed to supercharge your retirement strategy.

✅ 100% Offset Account → Slash your interest
✅ Borrow up to $2M (80% LVR)
✅ Express Rental Assessment → No extra loadings
✅ Flexible Contributions → For PAYG & Self-Employed

This isn't just a loan—it's a game-changer for your future.

👇 Tap "Send Message" to learn how to build wealth through property, inside your super!

21/10/2025

✨ SMSF Loan Rates – from 6.19% p.a. (with Offset)
Good news for SMSF property investors!

Our SMSF loan rates are now available — starting from 6.19% p.a. with offset, for both purchases and refinancing.

🏠 Residential SMSF Loans (New Purchases)
• 6.19% p.a. (≤70% LVR) – with offset

🔁 Residential SMSF Loans (Refinance Promotions)
• 6.19% p.a. (≤70% LVR) – with offset
• All major upfront costs are waived — including application, solicitor documentation, and valuation fees.

Now could be the perfect time to:
✔ Refinance your SMSF property loan to a lower rate
✔ Purchase your next investment property within super
✔ Take advantage of offset features to manage cash flow

📞 Want to review your SMSF loan or check your borrowing capacity? Let’s have a quick chat today.

05/10/2025

💡 Can I Buy Property with $200k in My Super?
Yes, you can! 🚀

With $200k in Super, you could be looking at a property worth $500k – $650k through an SMSF loan.

🔹 Example 1 – $500k property (70% LVR)
• Loan: $350k
• Rent: $500/week
• Employer contributions: $24k/year
• Repayments: $2,141/month

🔹 Example 2 – $650k property (80% LVR)
• Loan: $520k
• Rent: $650/week
• Employer contributions: $30k/year
• Repayments: $3,283/month

👉 The best part? Your tenant + employer are helping you pay for the property.

✅ If you’ve got $200k in Super, we can design a loan solution that fits your goals.

📩 Message me to check your borrowing power today!

30/09/2025

💭 Unlock Your Super to Buy Property?

Did you know your SMSF (Self-Managed Super Fund) could be the key to your next property investment? It lets you:

✅ Access the funds in your super
✅ Buy a home or commercial property
✅ Even rent it to your own business – becoming your own landlord!

But be warned: the rules are strict! Getting the right advice from your accountant and financial planner is non-negotiable.

Have you ever thought about using your SMSF this way? DM me for a private chat!

Address

Suite 502, 80 Mount Street
North Sydney, NSW
2060

Opening Hours

Monday	9:30am - 5:30pm
Tuesday	9:30am - 5:30pm
Wednesday	9:30am - 5:30pm
Thursday	9:30am - 5:30pm
Friday	9:30am - 5:30pm

Telephone

+61488881115

Website

http://xin.com.au/

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